Side-by-side · Q2 2026 data
South Texas Federal Credit Union vs Service 1st Credit Union
Credit union
South Texas Federal Credit Union
McALLEN, Texas · Under $100 million in assets
Metric by metric
| Measure | South Texas Federal Credit Union | Service 1st Credit Union |
|---|---|---|
| TellerScore | 47 | 91 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 21 | 74 (stronger) |
| Earnings | 36 | 89 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 85 | 95 (stronger) |
| Peer percentile | 7th | 90th |
| Total assets | $69.2M | $71.3M |
| Deposits / shares | $63.8M | $58.9M |
| Capital ratio | 8.57% | 16.78% (stronger) |
| Problem loans | 2.38% | 0.78% (stronger) |
| Net charge-offs | 1.07% | 0.09% (stronger) |
| Return on assets | 0.40% | 1.72% (stronger) |
| Loans ÷ deposits | 27.8% (stronger) | 60.4% |
| Uninsured deposits | 0.0% (stronger) | 3.3% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Service 1st Credit Union has the higher TellerScore (91 vs 47). On the 7 directional measures above (where higher or lower is clearly better), South Texas Federal Credit Union leads on 2 and Service 1st Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.