Side-by-side · Q2 2026 data
Victoria City-County Employees Federal Credit Union vs J.C.T. Federal Credit Union
Credit union
Victoria City-County Employees Federal Credit Union
Victoria, Texas · Under $100 million in assets
Metric by metric
| Measure | Victoria City-County Employees Federal Credit Union | J.C.T. Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 80 |
| Capital cushion | 97 (stronger) | 77 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 9 | 36 (stronger) |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 65th | 65th |
| Total assets | $7.0M | $10.0M |
| Deposits / shares | $5.9M | $8.7M |
| Capital ratio | 14.74% (stronger) | 12.67% |
| Problem loans | 0.06% | 0.00% (stronger) |
| Net charge-offs | -0.04% (stronger) | 0.00% |
| Return on assets | -0.27% | 0.40% (stronger) |
| Loans ÷ deposits | 65.0% | 50.1% (stronger) |
| Uninsured deposits | 0.5% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Victoria City-County Employees Federal Credit Union leads on 2 and J.C.T. Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.