Side-by-side · Q2 2026 data
Texas Community Federal Credit Union vs Chemcel Federal Credit Union
Credit union
Texas Community Federal Credit Union
Kingsville, Texas · Under $100 million in assets
Metric by metric
| Measure | Texas Community Federal Credit Union | Chemcel Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 74 |
| Capital cushion | 97 (stronger) | 71 |
| Loan quality | 57 | 75 (stronger) |
| Earnings | 82 (stronger) | 52 |
| Funding & liquidity | 72 | 96 (stronger) |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 62nd | 63rd |
| Total assets | $30.1M | $184.0M |
| Deposits / shares | $25.4M | $159.9M |
| Capital ratio | 14.65% (stronger) | 12.11% |
| Problem loans | 1.29% | 0.75% (stronger) |
| Net charge-offs | 0.90% | 0.82% (stronger) |
| Return on assets | 1.55% (stronger) | 0.80% |
| Loans ÷ deposits | 87.9% | 64.1% (stronger) |
| Uninsured deposits | 12.9% | 4.2% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texas Community Federal Credit Union has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Texas Community Federal Credit Union leads on 3 and Chemcel Federal Credit Union on 4. 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.