Side-by-side · Q2 2026 data
Texhillco School Employees Federal Credit Union vs The Local Federal 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 | The Local Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 72 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 80 | 81 (stronger) |
| Earnings | 23 (stronger) | 15 |
| Funding & liquidity | 64 (stronger) | 61 |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 19th | 44th |
| Total assets | $26.7M | $25.8M |
| Deposits / shares | $23.3M | $19.8M |
| Capital ratio | 9.93% | 21.18% (stronger) |
| Problem loans | 0.61% | 0.57% (stronger) |
| Net charge-offs | 0.81% (stronger) | 0.87% |
| Return on assets | 0.07% (stronger) | -0.12% |
| Loans ÷ deposits | 96.0% (stronger) | 99.2% |
| Uninsured deposits | 9.8% | 3.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Local Federal Credit Union has the higher TellerScore (72 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Texhillco School Employees Federal Credit Union leads on 3 and The Local Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.