Side-by-side · Q2 2026 data
Texar Federal Credit Union vs Federal Employees Credit Union
Metric by metric
| Measure | Texar Federal Credit Union | Federal Employees Credit Union |
|---|---|---|
| TellerScore | 81 | 83 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 76 | 100 (stronger) |
| Earnings | 52 (stronger) | 17 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 80th | 72nd |
| Total assets | $440.5M | $2.9M |
| Deposits / shares | $335.3M | $2.2M |
| Capital ratio | 16.42% | 22.93% (stronger) |
| Problem loans | 0.72% | 0.00% (stronger) |
| Net charge-offs | 0.34% | 0.00% (stronger) |
| Return on assets | 0.79% (stronger) | -0.07% |
| Loans ÷ deposits | 76.5% | 59.9% (stronger) |
| Uninsured deposits | 9.9% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.0% | — |
Federal Employees Credit Union has the higher TellerScore (83 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Texar Federal Credit Union leads on 1 and Federal Employees Credit Union on 6. 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.