Side-by-side · Q2 2026 data
United Credit Union vs Trinity Valley Teachers Credit Union
Credit union
Trinity Valley Teachers Credit Union
Palestine, Texas · Under $100 million in assets
Metric by metric
| Measure | United Credit Union | Trinity Valley Teachers Credit Union |
|---|---|---|
| TellerScore | 58 | 91 (stronger) |
| Capital cushion | 21 | 100 (stronger) |
| Loan quality | 79 | 80 (stronger) |
| Earnings | 45 | 82 (stronger) |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 19th | 90th |
| Total assets | $29.6M | $31.6M |
| Deposits / shares | $27.2M | $21.6M |
| Capital ratio | 7.07% | 31.33% (stronger) |
| Problem loans | 0.64% | 0.59% (stronger) |
| Net charge-offs | 0.32% (stronger) | 0.40% |
| Return on assets | 0.63% | 1.55% (stronger) |
| Loans ÷ deposits | 65.2% | 26.4% (stronger) |
| Uninsured deposits | 0.2% (stronger) | 1.6% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Trinity Valley Teachers Credit Union has the higher TellerScore (91 vs 58). On the 7 directional measures above (where higher or lower is clearly better), United Credit Union leads on 2 and Trinity Valley Teachers Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.