Side-by-side · Q2 2026 data
Texas Tech Federal Credit Union vs Education Credit Union
Metric by metric
| Measure | Texas Tech Federal Credit Union | Education Credit Union |
|---|---|---|
| TellerScore | 69 | 70 (stronger) |
| Capital cushion | 57 | 76 (stronger) |
| Loan quality | 86 (stronger) | 79 |
| Earnings | 52 (stronger) | 41 |
| Funding & liquidity | 73 (stronger) | 66 |
| Problem-loan coverage | 87 | 90 (stronger) |
| Peer percentile | 48th | 51st |
| Total assets | $450.8M | $469.2M |
| Deposits / shares | $392.8M | $404.3M |
| Capital ratio | 10.73% | 12.63% (stronger) |
| Problem loans | 0.42% (stronger) | 0.64% |
| Net charge-offs | 0.30% (stronger) | 0.88% |
| Return on assets | 0.80% (stronger) | 0.53% |
| Loans ÷ deposits | 87.0% (stronger) | 94.6% |
| Uninsured deposits | 9.6% | 5.5% (stronger) |
| Offices | 2 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.2% | 1.8% |
Education Credit Union has the higher TellerScore (70 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Texas Tech Federal Credit Union leads on 4 and Education Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.