Side-by-side · Q2 2026 data
Texasgulf Federal Credit Union vs Access Community Credit Union
Metric by metric
| Measure | Texasgulf Federal Credit Union | Access Community Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 66 |
| Capital cushion | 93 (stronger) | 56 |
| Loan quality | 80 | 91 (stronger) |
| Earnings | 54 (stronger) | 47 |
| Funding & liquidity | 88 (stronger) | 50 |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 80th | 37th |
| Total assets | $220.5M | $210.9M |
| Deposits / shares | $189.3M | $160.7M |
| Capital ratio | 14.27% (stronger) | 10.55% |
| Problem loans | 0.61% | 0.27% (stronger) |
| Net charge-offs | 0.20% | 0.12% (stronger) |
| Return on assets | 0.85% (stronger) | 0.68% |
| Loans ÷ deposits | 71.9% (stronger) | 116.7% |
| Uninsured deposits | 2.7% (stronger) | 8.5% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.5% |
Texasgulf Federal Credit Union has the higher TellerScore (81 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Texasgulf Federal Credit Union leads on 5 and Access Community Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.