Side-by-side · Q2 2026 data
Texar Federal Credit Union vs Education Credit Union
Metric by metric
| Measure | Texar Federal Credit Union | Education Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 76 |
| Loan quality | 76 | 79 (stronger) |
| Earnings | 52 (stronger) | 41 |
| Funding & liquidity | 84 (stronger) | 66 |
| Problem-loan coverage | 94 (stronger) | 90 |
| Peer percentile | 80th | 51st |
| Total assets | $440.5M | $469.2M |
| Deposits / shares | $335.3M | $404.3M |
| Capital ratio | 16.42% (stronger) | 12.63% |
| Problem loans | 0.72% | 0.64% (stronger) |
| Net charge-offs | 0.34% (stronger) | 0.88% |
| Return on assets | 0.79% (stronger) | 0.53% |
| Loans ÷ deposits | 76.5% (stronger) | 94.6% |
| Uninsured deposits | 9.9% | 5.5% (stronger) |
| Offices | 4 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.0% | 1.8% |
Texar Federal Credit Union has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Texar Federal Credit Union leads on 5 and Education Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.