Side-by-side · Q2 2026 data
Temple-Inland Federal Credit Union vs Odessa Employees Credit Union
Credit union
Temple-Inland Federal Credit Union
Diboll, Texas · Under $100 million in assets
Metric by metric
| Measure | Temple-Inland Federal Credit Union | Odessa Employees Credit Union |
|---|---|---|
| TellerScore | 86 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 77 | 100 (stronger) |
| Earnings | 58 (stronger) | 46 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 80th | 87th |
| Total assets | $20.1M | $21.0M |
| Deposits / shares | $16.7M | $17.5M |
| Capital ratio | 18.28% (stronger) | 16.15% |
| Problem loans | 0.68% | 0.00% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 0.94% (stronger) | 0.65% |
| Loans ÷ deposits | 44.7% (stronger) | 60.7% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 0 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Odessa Employees Credit Union has the higher TellerScore (89 vs 86). On the 6 directional measures above (where higher or lower is clearly better), Temple-Inland Federal Credit Union leads on 3 and Odessa Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.