Side-by-side · Q2 2026 data
Texas Plains Federal Credit Union vs South Texas Federal Credit Union
Credit union
South Texas Federal Credit Union
McALLEN, Texas · Under $100 million in assets
Metric by metric
| Measure | Texas Plains Federal Credit Union | South Texas Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 47 |
| Capital cushion | 93 (stronger) | 36 |
| Loan quality | 74 (stronger) | 21 |
| Earnings | 50 (stronger) | 36 |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 91 (stronger) | 85 |
| Peer percentile | 57th | 7th |
| Total assets | $71.2M | $69.2M |
| Deposits / shares | $60.3M | $63.8M |
| Capital ratio | 14.25% (stronger) | 8.57% |
| Problem loans | 0.78% (stronger) | 2.38% |
| Net charge-offs | 1.00% (stronger) | 1.07% |
| Return on assets | 0.76% (stronger) | 0.40% |
| Loans ÷ deposits | 83.0% | 27.8% (stronger) |
| Uninsured deposits | 3.3% | 0.0% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texas Plains Federal Credit Union has the higher TellerScore (77 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Texas Plains Federal Credit Union leads on 5 and South Texas Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.