Side-by-side · Q2 2026 data
Texas Tech Federal Credit Union vs McT Credit Union
Metric by metric
| Measure | Texas Tech Federal Credit Union | McT Credit Union |
|---|---|---|
| TellerScore | 69 | 69 |
| Capital cushion | 57 (stronger) | 51 |
| Loan quality | 86 | 90 (stronger) |
| Earnings | 52 (stronger) | 39 |
| Funding & liquidity | 73 | 90 (stronger) |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 48th | 48th |
| Total assets | $450.8M | $415.2M |
| Deposits / shares | $392.8M | $363.0M |
| Capital ratio | 10.73% (stronger) | 10.10% |
| Problem loans | 0.42% | 0.29% (stronger) |
| Net charge-offs | 0.30% | 0.12% (stronger) |
| Return on assets | 0.80% (stronger) | 0.49% |
| Loans ÷ deposits | 87.0% | 70.2% (stronger) |
| Uninsured deposits | 9.6% | 0.0% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.2% | 14.4% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Texas Tech Federal Credit Union leads on 2 and McT Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.