Side-by-side · Q2 2026 data
Velma Federal Credit Union vs Teachers Credit Union
Metric by metric
| Measure | Velma Federal Credit Union | Teachers Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 76 |
| Capital cushion | 100 | 100 |
| Loan quality | 48 | 89 (stronger) |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 59 | 98 (stronger) |
| Problem-loan coverage | 81 | 93 (stronger) |
| Peer percentile | 62nd | 54th |
| Total assets | $3.1M | $6.3M |
| Deposits / shares | $2.6M | $4.4M |
| Capital ratio | 15.16% | 31.52% (stronger) |
| Problem loans | 1.55% | 0.34% (stronger) |
| Net charge-offs | 0.30% (stronger) | 4.25% |
| Return on assets | 2.08% (stronger) | -1.45% |
| Loans ÷ deposits | 100.9% | 62.1% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 1.2% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Velma Federal Credit Union has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Velma Federal Credit Union leads on 4 and Teachers Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.