Side-by-side · Q2 2026 data
Texstar Federal Credit Union vs Germania Credit Union
Metric by metric
| Measure | Texstar Federal Credit Union | Germania Credit Union |
|---|---|---|
| TellerScore | 53 | 81 (stronger) |
| Capital cushion | 86 (stronger) | 76 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 18 | 41 (stronger) |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 12th | 68th |
| Total assets | $20.0M | $19.5M |
| Deposits / shares | $17.2M | $16.9M |
| Capital ratio | 13.59% (stronger) | 12.58% |
| Problem loans | 3.86% | 0.00% (stronger) |
| Net charge-offs | 0.09% | -0.03% (stronger) |
| Return on assets | -0.04% | 0.53% (stronger) |
| Loans ÷ deposits | 30.9% (stronger) | 62.2% |
| Uninsured deposits | 4.0% | 1.9% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Germania Credit Union has the higher TellerScore (81 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Texstar Federal Credit Union leads on 2 and Germania Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.