Side-by-side · Q2 2026 data
Victoria Teachers Federal Credit Union vs J.C.T. Federal Credit Union
Credit union
Victoria Teachers Federal Credit Union
Victoria, Texas · Under $100 million in assets
Metric by metric
| Measure | Victoria Teachers Federal Credit Union | J.C.T. Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 43 (stronger) | 36 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 85th | 65th |
| Total assets | $18.0M | $10.0M |
| Deposits / shares | $12.0M | $8.7M |
| Capital ratio | 33.05% (stronger) | 12.67% |
| Problem loans | 0.08% | 0.00% (stronger) |
| Net charge-offs | 0.44% | 0.00% (stronger) |
| Return on assets | 0.58% (stronger) | 0.40% |
| Loans ÷ deposits | 48.9% (stronger) | 50.1% |
| Uninsured deposits | 0.3% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Victoria Teachers Federal Credit Union has the higher TellerScore (88 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Victoria Teachers Federal Credit Union leads on 4 and J.C.T. Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.