Side-by-side · Q2 2026 data
Texarkana Terminal Employees Federal Credit Union vs Texar Federal Credit Union
Credit union
Texarkana Terminal Employees Federal Credit Union
Texarkana, Texas · Under $100 million in assets
Metric by metric
| Measure | Texarkana Terminal Employees Federal Credit Union | Texar Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 81 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 62 | 76 (stronger) |
| Earnings | 57 (stronger) | 52 |
| Funding & liquidity | 87 (stronger) | 84 |
| Problem-loan coverage | 85 | 94 (stronger) |
| Peer percentile | 26th | 80th |
| Total assets | $10.9M | $440.5M |
| Deposits / shares | $9.8M | $335.3M |
| Capital ratio | 9.96% | 16.42% (stronger) |
| Problem loans | 1.15% | 0.72% (stronger) |
| Net charge-offs | -0.13% (stronger) | 0.34% |
| Return on assets | 0.92% (stronger) | 0.79% |
| Loans ÷ deposits | 73.6% (stronger) | 76.5% |
| Uninsured deposits | 0.0% (stronger) | 9.9% |
| Offices | 3 | 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 63). On the 7 directional measures above (where higher or lower is clearly better), Texarkana Terminal Employees Federal Credit Union leads on 4 and Texar Federal Credit Union on 3. 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.