Side-by-side · Q2 2026 data
St. Luke'S Community Federal Credit Union vs American Baptist Association Credit Union
Credit union
St. Luke'S Community Federal Credit Union
Houston, Texas · Under $100 million in assets
Credit union
American Baptist Association Credit Union
Angleton, Texas · Under $100 million in assets
Metric by metric
| Measure | St. Luke'S Community Federal Credit Union | American Baptist Association Credit Union |
|---|---|---|
| TellerScore | 53 | 60 (stronger) |
| Capital cushion | 67 (stronger) | 34 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 51 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 81 | 100 (stronger) |
| Peer percentile | 12th | 22nd |
| Total assets | $1.9M | $1.8M |
| Deposits / shares | $1.7M | $1.6M |
| Capital ratio | 11.73% (stronger) | 8.44% |
| Problem loans | 3.03% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.29% |
| Return on assets | 0.78% (stronger) | -1.41% |
| Loans ÷ deposits | 43.9% (stronger) | 61.1% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
American Baptist Association Credit Union has the higher TellerScore (60 vs 53). On the 6 directional measures above (where higher or lower is clearly better), St. Luke'S Community Federal Credit Union leads on 4 and American Baptist Association Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.