Side-by-side · Q2 2026 data
Spectra Bank vs Fort Worth City Credit Union
Metric by metric
| Measure | Spectra Bank | Fort Worth City Credit Union |
|---|---|---|
| TellerScore | 59 | 93 (stronger) |
| Capital cushion | 29 | 81 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 28 | 97 (stronger) |
| Funding & liquidity | 66 | 97 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 17th | 97th |
| Total assets | $126.7M | $336.8M |
| Deposits / shares | $110.8M | $296.1M |
| Capital ratio | 7.88% | 13.10% (stronger) |
| Problem loans | 0.00% (stronger) | 0.03% |
| Net charge-offs | 0.25% | 0.08% (stronger) |
| Return on assets | 0.20% | 1.91% (stronger) |
| Loans ÷ deposits | 77.9% | 63.5% (stronger) |
| Uninsured deposits | 29.8% | 2.8% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 38.4% |
Fort Worth City Credit Union has the higher TellerScore (93 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Spectra Bank leads on 1 and Fort Worth City Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.