Side-by-side · Q2 2026 data
Texasgulf Federal Credit Union vs Old Ocean Federal Credit Union
Metric by metric
| Measure | Texasgulf Federal Credit Union | Old Ocean Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 98 (stronger) |
| Capital cushion | 93 | 100 (stronger) |
| Loan quality | 80 | 92 (stronger) |
| Earnings | 54 | 100 (stronger) |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 80th | 98th |
| Total assets | $220.5M | $41.6M |
| Deposits / shares | $189.3M | $32.5M |
| Capital ratio | 14.27% | 20.52% (stronger) |
| Problem loans | 0.61% | 0.24% (stronger) |
| Net charge-offs | 0.20% (stronger) | 0.48% |
| Return on assets | 0.85% | 2.07% (stronger) |
| Loans ÷ deposits | 71.9% | 46.7% (stronger) |
| Uninsured deposits | 2.7% (stronger) | 2.9% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Old Ocean Federal Credit Union has the higher TellerScore (98 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Texasgulf Federal Credit Union leads on 2 and Old Ocean Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.