Side-by-side · Q2 2026 data
United Energy 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 Energy Credit Union | Trinity Valley Teachers Credit Union |
|---|---|---|
| TellerScore | 77 | 91 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 82 (stronger) | 80 |
| Earnings | 32 | 82 (stronger) |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 57th | 90th |
| Total assets | $30.0M | $31.6M |
| Deposits / shares | $24.6M | $21.6M |
| Capital ratio | 16.46% | 31.33% (stronger) |
| Problem loans | 0.55% (stronger) | 0.59% |
| Net charge-offs | 0.33% (stronger) | 0.40% |
| Return on assets | 0.30% | 1.55% (stronger) |
| Loans ÷ deposits | 87.5% | 26.4% (stronger) |
| Uninsured deposits | 19.1% | 1.6% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Trinity Valley Teachers Credit Union has the higher TellerScore (91 vs 77). On the 7 directional measures above (where higher or lower is clearly better), United Energy 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.