Side-by-side · Q2 2026 data
TrustTexas Bank, SSB vs Victoria City-County Employees Federal Credit Union
Credit union
Victoria City-County Employees Federal Credit Union
Victoria, Texas · Under $100 million in assets
Metric by metric
| Measure | TrustTexas Bank, SSB | Victoria City-County Employees Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 80 (stronger) |
| Capital cushion | 30 | 97 (stronger) |
| Loan quality | 78 | 98 (stronger) |
| Earnings | 30 (stronger) | 9 |
| Funding & liquidity | 89 | 95 (stronger) |
| Problem-loan coverage | 63 | 100 (stronger) |
| Peer percentile | 10th | 65th |
| Total assets | $393.5M | $7.0M |
| Deposits / shares | $384.8M | $5.9M |
| Capital ratio | 8.02% | 14.74% (stronger) |
| Problem loans | 0.67% | 0.06% (stronger) |
| Net charge-offs | 0.04% | -0.04% (stronger) |
| Return on assets | 0.24% (stronger) | -0.27% |
| Loans ÷ deposits | 54.9% (stronger) | 65.0% |
| Uninsured deposits | 25.5% | 0.5% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.3% | — |
Victoria City-County Employees Federal Credit Union has the higher TellerScore (80 vs 54). On the 7 directional measures above (where higher or lower is clearly better), TrustTexas Bank, SSB leads on 2 and Victoria City-County Employees 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.