Side-by-side · Q2 2026 data
Spectra Federal Credit Union vs Angelina County Teachers Credit Union
Credit union
Spectra Federal Credit Union
Alexandria, Virginia · $100 million – $1 billion
Credit union
Angelina County Teachers Credit Union
Lufkin, Texas · Under $100 million in assets
Metric by metric
| Measure | Spectra Federal Credit Union | Angelina County Teachers Credit Union |
|---|---|---|
| TellerScore | 45 | 100 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 38 | 99 (stronger) |
| Earnings | 21 | 100 (stronger) |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 70 | 100 (stronger) |
| Peer percentile | 3rd | 100th |
| Total assets | $544.4M | $12.9M |
| Deposits / shares | $458.8M | $10.5M |
| Capital ratio | 8.67% | 18.38% (stronger) |
| Problem loans | 1.85% | 0.04% (stronger) |
| Net charge-offs | 0.59% | 0.20% (stronger) |
| Return on assets | 0.02% | 2.33% (stronger) |
| Loans ÷ deposits | 73.6% | 36.6% (stronger) |
| Uninsured deposits | 5.0% | 4.9% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Angelina County Teachers Credit Union has the higher TellerScore (100 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Spectra Federal Credit Union leads on 0 and Angelina County Teachers Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.