Side-by-side · Q2 2026 data
Texas Dow Employees Credit Union vs First Community Credit Union
Metric by metric
| Measure | Texas Dow Employees Credit Union | First Community Credit Union |
|---|---|---|
| TellerScore | 49 | 58 (stronger) |
| Capital cushion | 52 (stronger) | 30 |
| Loan quality | 41 | 87 (stronger) |
| Earnings | 41 | 54 (stronger) |
| Funding & liquidity | 52 (stronger) | 50 |
| Problem-loan coverage | 67 | 90 (stronger) |
| Peer percentile | 5th | 19th |
| Total assets | $5.0B | $3.1B |
| Deposits / shares | $4.0B | $2.0B |
| Capital ratio | 10.17% (stronger) | 7.98% |
| Problem loans | 1.77% | 0.39% (stronger) |
| Net charge-offs | 0.96% | 0.49% (stronger) |
| Return on assets | 0.52% | 0.85% (stronger) |
| Loans ÷ deposits | 108.3% (stronger) | 118.4% |
| Uninsured deposits | 4.9% (stronger) | 9.9% |
| Offices | 18 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | — |
First Community Credit Union has the higher TellerScore (58 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Texas Dow Employees Credit Union leads on 3 and First Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.