Side-by-side · Q2 2026 data
Texas Community Federal Credit Union vs Rally 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 | Rally Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 76 |
| Capital cushion | 97 (stronger) | 90 |
| Loan quality | 57 | 75 (stronger) |
| Earnings | 82 (stronger) | 66 |
| Funding & liquidity | 72 (stronger) | 54 |
| Problem-loan coverage | 87 | 89 (stronger) |
| Peer percentile | 62nd | 79th |
| Total assets | $30.1M | $4.8B |
| Deposits / shares | $25.4M | $4.0B |
| Capital ratio | 14.65% (stronger) | 14.02% |
| Problem loans | 1.29% | 0.75% (stronger) |
| Net charge-offs | 0.90% (stronger) | 1.01% |
| Return on assets | 1.55% (stronger) | 1.16% |
| Loans ÷ deposits | 87.9% (stronger) | 105.0% |
| Uninsured deposits | 12.9% (stronger) | 15.7% |
| Offices | 1 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 49.8% |
Texas Community Federal Credit Union has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Texas Community Federal Credit Union leads on 6 and Rally Credit Union on 1. 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.