Side-by-side · Q2 2026 data
South Texas Regional Federal Credit Union vs Laredo Federal Credit Union
Credit union
South Texas Regional Federal Credit Union
Laredo, Texas · Under $100 million in assets
Metric by metric
| Measure | South Texas Regional Federal Credit Union | Laredo Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 95 (stronger) | 88 |
| Earnings | 39 | 50 (stronger) |
| Funding & liquidity | 80 | 97 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 72nd | 66th |
| Total assets | $5.7M | $136.6M |
| Deposits / shares | $4.8M | $125.6M |
| Capital ratio | 15.47% (stronger) | 11.31% |
| Problem loans | 0.15% (stronger) | 0.35% |
| Net charge-offs | 0.16% (stronger) | 0.35% |
| Return on assets | 0.47% | 0.75% (stronger) |
| Loans ÷ deposits | 80.5% | 62.9% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.9% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.2% |
South Texas Regional Federal Credit Union has the higher TellerScore (83 vs 75). On the 7 directional measures above (where higher or lower is clearly better), South Texas Regional Federal Credit Union leads on 5 and Laredo Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.