Side-by-side · Q2 2026 data
Texas People Federal Credit Union vs Light Commerce Credit Union
Metric by metric
| Measure | Texas People Federal Credit Union | Light Commerce Credit Union |
|---|---|---|
| TellerScore | 73 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 90 (stronger) | 69 |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 74 | 98 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 47th | 92nd |
| Total assets | $24.3M | $5.0M |
| Deposits / shares | $19.7M | $3.6M |
| Capital ratio | 18.04% | 26.81% (stronger) |
| Problem loans | 0.31% (stronger) | 0.93% |
| Net charge-offs | 1.08% | 0.57% (stronger) |
| Return on assets | -1.17% | 2.37% (stronger) |
| Loans ÷ deposits | 86.6% | 62.1% (stronger) |
| Uninsured deposits | 5.4% | 0.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Light Commerce Credit Union has the higher TellerScore (92 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Texas People Federal Credit Union leads on 1 and Light Commerce Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.