Side-by-side · Q2 2026 data
Texas Community Federal Credit Union vs United Energy 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 | United Energy Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 77 |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 57 | 82 (stronger) |
| Earnings | 82 (stronger) | 32 |
| Funding & liquidity | 72 (stronger) | 68 |
| Problem-loan coverage | 87 | 95 (stronger) |
| Peer percentile | 62nd | 57th |
| Total assets | $30.1M | $30.0M |
| Deposits / shares | $25.4M | $24.6M |
| Capital ratio | 14.65% | 16.46% (stronger) |
| Problem loans | 1.29% | 0.55% (stronger) |
| Net charge-offs | 0.90% | 0.33% (stronger) |
| Return on assets | 1.55% (stronger) | 0.30% |
| Loans ÷ deposits | 87.9% | 87.5% (stronger) |
| Uninsured deposits | 12.9% (stronger) | 19.1% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texas Community Federal Credit Union has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Texas Community Federal Credit Union leads on 3 and United Energy Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.