Side-by-side · Q2 2026 data
South Texas Regional Federal Credit Union vs Nce 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 | Nce Credit Union |
|---|---|---|
| TellerScore | 83 | 85 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 39 (stronger) | 26 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 72nd | 77th |
| Total assets | $5.7M | $5.9M |
| Deposits / shares | $4.8M | $4.7M |
| Capital ratio | 15.47% | 20.81% (stronger) |
| Problem loans | 0.15% | 0.00% (stronger) |
| Net charge-offs | 0.16% (stronger) | 1.33% |
| Return on assets | 0.47% (stronger) | 0.14% |
| Loans ÷ deposits | 80.5% | 52.0% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 6.6% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Nce Credit Union has the higher TellerScore (85 vs 83). On the 7 directional measures above (where higher or lower is clearly better), South Texas Regional Federal Credit Union leads on 3 and Nce Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.