Side-by-side · Q2 2026 data
South Texas Federal Credit Union vs West Texas 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 | West Texas Credit Union |
|---|---|---|
| TellerScore | 47 | 58 (stronger) |
| Capital cushion | 36 | 43 (stronger) |
| Loan quality | 21 | 64 (stronger) |
| Earnings | 36 (stronger) | 24 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 85 | 88 (stronger) |
| Peer percentile | 7th | 19th |
| Total assets | $69.2M | $70.3M |
| Deposits / shares | $63.8M | $63.1M |
| Capital ratio | 8.57% | 9.30% (stronger) |
| Problem loans | 2.38% | 1.07% (stronger) |
| Net charge-offs | 1.07% | 0.27% (stronger) |
| Return on assets | 0.40% (stronger) | 0.11% |
| Loans ÷ deposits | 27.8% (stronger) | 60.2% |
| Uninsured deposits | 0.0% (stronger) | 7.6% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Texas Credit Union has the higher TellerScore (58 vs 47). On the 7 directional measures above (where higher or lower is clearly better), South Texas Federal Credit Union leads on 3 and West Texas Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.