Side-by-side · Q2 2026 data
Texar Federal Credit Union vs Pecu Credit Union
Metric by metric
| Measure | Texar Federal Credit Union | Pecu Credit Union |
|---|---|---|
| TellerScore | 81 | 86 (stronger) |
| Capital cushion | 100 (stronger) | 98 |
| Loan quality | 76 | 84 (stronger) |
| Earnings | 52 | 57 (stronger) |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 80th | 89th |
| Total assets | $440.5M | $431.4M |
| Deposits / shares | $335.3M | $368.7M |
| Capital ratio | 16.42% (stronger) | 14.78% |
| Problem loans | 0.72% | 0.47% (stronger) |
| Net charge-offs | 0.34% (stronger) | 0.45% |
| Return on assets | 0.79% | 0.92% (stronger) |
| Loans ÷ deposits | 76.5% | 60.6% (stronger) |
| Uninsured deposits | 9.9% (stronger) | 10.9% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.0% | — |
Pecu Credit Union has the higher TellerScore (86 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Texar Federal Credit Union leads on 3 and Pecu Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.