Side-by-side · Q2 2026 data
Southwest Research Center Federal Credit Union vs U. S. Employees Credit Union
Credit union
Southwest Research Center Federal Credit Union
San Antonio, Texas · Under $100 million in assets
Metric by metric
| Measure | Southwest Research Center Federal Credit Union | U. S. Employees Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 74 |
| Capital cushion | 66 (stronger) | 54 |
| Loan quality | 83 | 93 (stronger) |
| Earnings | 67 (stronger) | 49 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 62nd | 49th |
| Total assets | $87.6M | $86.4M |
| Deposits / shares | $77.7M | $77.0M |
| Capital ratio | 11.55% (stronger) | 10.38% |
| Problem loans | 0.50% | 0.20% (stronger) |
| Net charge-offs | 0.23% (stronger) | 0.35% |
| Return on assets | 1.16% (stronger) | 0.72% |
| Loans ÷ deposits | 54.2% | 48.6% (stronger) |
| Uninsured deposits | 2.5% (stronger) | 4.0% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southwest Research Center Federal Credit Union has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Southwest Research Center Federal Credit Union leads on 5 and U. S. Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.