Side-by-side · Q2 2026 data
Sp Trainmen Federal Credit Union vs Local 24 Employees Federal Credit Union
Credit union
Local 24 Employees Federal Credit Union
Pasadena, Texas · Under $100 million in assets
Metric by metric
| Measure | Sp Trainmen Federal Credit Union | Local 24 Employees Federal Credit Union |
|---|---|---|
| TellerScore | 31 | 98 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 18 | 99 (stronger) |
| Peer percentile | 1st | 98th |
| Total assets | $2.7M | $13.6M |
| Deposits / shares | $2.2M | $10.7M |
| Capital ratio | 9.78% | 21.01% (stronger) |
| Problem loans | 26.03% | 0.26% (stronger) |
| Net charge-offs | 0.00% (stronger) | 1.20% |
| Return on assets | -1.32% | 2.15% (stronger) |
| Loans ÷ deposits | 29.5% (stronger) | 43.1% |
| Uninsured deposits | 0.0% (stronger) | 1.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Local 24 Employees Federal Credit Union has the higher TellerScore (98 vs 31). On the 7 directional measures above (where higher or lower is clearly better), Sp Trainmen Federal Credit Union leads on 3 and Local 24 Employees Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.