Side-by-side · Q2 2026 data
Texas Bay Credit Union vs Intouch Credit Union
Metric by metric
| Measure | Texas Bay Credit Union | Intouch Credit Union |
|---|---|---|
| TellerScore | 53 | 55 (stronger) |
| Capital cushion | 25 | 39 (stronger) |
| Loan quality | 82 (stronger) | 54 |
| Earnings | 31 | 59 (stronger) |
| Funding & liquidity | 67 | 71 (stronger) |
| Problem-loan coverage | 87 (stronger) | 75 |
| Peer percentile | 9th | 12th |
| Total assets | $905.0M | $837.4M |
| Deposits / shares | $763.5M | $744.2M |
| Capital ratio | 7.49% | 8.95% (stronger) |
| Problem loans | 0.55% (stronger) | 1.38% |
| Net charge-offs | 1.07% | 0.61% (stronger) |
| Return on assets | 0.27% | 0.97% (stronger) |
| Loans ÷ deposits | 93.1% | 88.9% (stronger) |
| Uninsured deposits | 8.0% | 7.5% (stronger) |
| Offices | 10 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 36.6% |
Intouch Credit Union has the higher TellerScore (55 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Texas Bay Credit Union leads on 1 and Intouch Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.