Side-by-side · Q2 2026 data
The Waggoner National Bank of Vernon vs Wichita Falls Teachers Federal Credit Union
Credit union
Wichita Falls Teachers Federal Credit Union
Wichita Falls, Texas · $100 million – $1 billion
Metric by metric
| Measure | The Waggoner National Bank of Vernon | Wichita Falls Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 82 |
| Capital cushion | 94 (stronger) | 74 |
| Loan quality | 78 | 90 (stronger) |
| Earnings | 100 (stronger) | 60 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 92nd | 82nd |
| Total assets | $353.7M | $115.6M |
| Deposits / shares | $304.8M | $102.3M |
| Capital ratio | 14.41% (stronger) | 12.42% |
| Problem loans | 0.66% | 0.31% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.54% |
| Return on assets | 2.47% (stronger) | 0.99% |
| Loans ÷ deposits | 63.0% | 55.2% (stronger) |
| Uninsured deposits | 37.6% | 6.7% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | 0.0% |
The Waggoner National Bank of Vernon has the higher TellerScore (88 vs 82). On the 7 directional measures above (where higher or lower is clearly better), The Waggoner National Bank of Vernon leads on 4 and Wichita Falls Teachers Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.