Side-by-side · Q2 2026 data
Texhillco School Employees Federal Credit Union vs Concho Valley Credit Union
Credit union
Texhillco School Employees Federal Credit Union
Kerrville, Texas · Under $100 million in assets
Metric by metric
| Measure | Texhillco School Employees Federal Credit Union | Concho Valley Credit Union |
|---|---|---|
| TellerScore | 58 | 78 (stronger) |
| Capital cushion | 49 | 64 (stronger) |
| Loan quality | 80 | 95 (stronger) |
| Earnings | 23 | 51 (stronger) |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 19th | 59th |
| Total assets | $26.7M | $25.7M |
| Deposits / shares | $23.3M | $22.6M |
| Capital ratio | 9.93% | 11.44% (stronger) |
| Problem loans | 0.61% | 0.14% (stronger) |
| Net charge-offs | 0.81% | 0.10% (stronger) |
| Return on assets | 0.07% | 0.79% (stronger) |
| Loans ÷ deposits | 96.0% | 59.6% (stronger) |
| Uninsured deposits | 9.8% | 3.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Concho Valley Credit Union has the higher TellerScore (78 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Texhillco School Employees Federal Credit Union leads on 0 and Concho Valley Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.