Side-by-side · Q2 2026 data
Sweetwater Regional Federal Credit Union vs First Watch Federal Credit Union
Credit union
Sweetwater Regional Federal Credit Union
Sweetwater, Texas · Under $100 million in assets
Metric by metric
| Measure | Sweetwater Regional Federal Credit Union | First Watch Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 43 |
| Loan quality | 96 | 99 (stronger) |
| Earnings | 0 | 28 (stronger) |
| Funding & liquidity | 100 (stronger) | 87 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 62nd | 37th |
| Total assets | $6.6M | $104.7M |
| Deposits / shares | $5.3M | $94.7M |
| Capital ratio | 19.51% (stronger) | 9.33% |
| Problem loans | 0.11% | 0.03% (stronger) |
| Net charge-offs | 0.30% | 0.14% (stronger) |
| Return on assets | -0.61% | 0.19% (stronger) |
| Loans ÷ deposits | 51.5% (stronger) | 73.0% |
| Uninsured deposits | 0.0% (stronger) | 6.4% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 27.8% |
Sweetwater Regional Federal Credit Union has the higher TellerScore (79 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Sweetwater Regional Federal Credit Union leads on 4 and First Watch Federal Credit Union on 3. 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.