Side-by-side · Q2 2026 data
Victoria City-County Employees Federal Credit Union vs S.T.E.C. 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 | S.T.E.C. Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 79 |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 98 (stronger) | 85 |
| Earnings | 9 | 39 (stronger) |
| Funding & liquidity | 95 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 65th | 62nd |
| Total assets | $7.0M | $5.5M |
| Deposits / shares | $5.9M | $3.8M |
| Capital ratio | 14.74% | 30.91% (stronger) |
| Problem loans | 0.06% (stronger) | 0.44% |
| Net charge-offs | -0.04% (stronger) | 0.09% |
| Return on assets | -0.27% | 0.48% (stronger) |
| Loans ÷ deposits | 65.0% (stronger) | 93.6% |
| Uninsured deposits | 0.5% (stronger) | 6.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Victoria City-County Employees Federal Credit Union has the higher TellerScore (80 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Victoria City-County Employees Federal Credit Union leads on 5 and S.T.E.C. Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.