Side-by-side · Q2 2026 data
Texas People Federal Credit Union vs Bayou City Federal Credit Union
Credit union
Bayou City Federal Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | Texas People Federal Credit Union | Bayou City Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 90 (stronger) | 38 |
| Earnings | 0 | 28 (stronger) |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 47th | 13th |
| Total assets | $24.3M | $23.8M |
| Deposits / shares | $19.7M | $21.3M |
| Capital ratio | 18.04% (stronger) | 10.13% |
| Problem loans | 0.31% (stronger) | 1.85% |
| Net charge-offs | 1.08% | 1.08% (stronger) |
| Return on assets | -1.17% | 0.20% (stronger) |
| Loans ÷ deposits | 86.6% | 37.3% (stronger) |
| Uninsured deposits | 5.4% | 2.9% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texas People Federal Credit Union has the higher TellerScore (73 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Texas People Federal Credit Union leads on 3 and Bayou City Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.