Side-by-side · Q2 2026 data
Swemp Federal Credit Union vs Texar Federal Credit Union
Metric by metric
| Measure | Swemp Federal Credit Union | Texar Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 81 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 65 | 76 (stronger) |
| Earnings | 42 | 52 (stronger) |
| Funding & liquidity | 72 | 84 (stronger) |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 52nd | 80th |
| Total assets | $12.9M | $440.5M |
| Deposits / shares | $10.4M | $335.3M |
| Capital ratio | 19.49% (stronger) | 16.42% |
| Problem loans | 1.04% | 0.72% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.34% |
| Return on assets | 0.55% | 0.79% (stronger) |
| Loans ÷ deposits | 88.3% | 76.5% (stronger) |
| Uninsured deposits | 4.3% (stronger) | 9.9% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.0% |
Texar Federal Credit Union has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Swemp Federal Credit Union leads on 3 and Texar Federal Credit Union on 4. 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.