Side-by-side · Q2 2026 data
Texarkana Terminal Employees Federal Credit Union vs Vatat 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 | Vatat Credit Union |
|---|---|---|
| TellerScore | 63 | 82 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 62 | 75 (stronger) |
| Earnings | 57 | 73 (stronger) |
| Funding & liquidity | 87 (stronger) | 64 |
| Problem-loan coverage | 85 | 95 (stronger) |
| Peer percentile | 26th | 70th |
| Total assets | $10.9M | $11.0M |
| Deposits / shares | $9.8M | $8.7M |
| Capital ratio | 9.96% | 17.90% (stronger) |
| Problem loans | 1.15% | 0.74% (stronger) |
| Net charge-offs | -0.13% (stronger) | 0.00% |
| Return on assets | 0.92% | 1.33% (stronger) |
| Loans ÷ deposits | 73.6% (stronger) | 78.0% |
| Uninsured deposits | 0.0% (stronger) | 31.4% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vatat Credit Union has the higher TellerScore (82 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Texarkana Terminal Employees Federal Credit Union leads on 3 and Vatat Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.