Side-by-side · Q2 2026 data
South Texas Regional Federal Credit Union vs S.T.E.C. 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 | S.T.E.C. Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 79 |
| Capital cushion | 100 | 100 |
| Loan quality | 95 (stronger) | 85 |
| Earnings | 39 | 39 |
| Funding & liquidity | 80 (stronger) | 67 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 72nd | 62nd |
| Total assets | $5.7M | $5.5M |
| Deposits / shares | $4.8M | $3.8M |
| Capital ratio | 15.47% | 30.91% (stronger) |
| Problem loans | 0.15% (stronger) | 0.44% |
| Net charge-offs | 0.16% | 0.09% (stronger) |
| Return on assets | 0.47% | 0.48% (stronger) |
| Loans ÷ deposits | 80.5% (stronger) | 93.6% |
| Uninsured deposits | 0.0% (stronger) | 6.2% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Texas Regional Federal Credit Union has the higher TellerScore (83 vs 79). On the 7 directional measures above (where higher or lower is clearly better), South Texas Regional Federal Credit Union leads on 4 and S.T.E.C. Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.