Side-by-side · Q2 2026 data
Victoria Teachers Federal Credit Union vs S.T.E.C. 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 | S.T.E.C. Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 79 |
| Capital cushion | 100 | 100 |
| Loan quality | 97 (stronger) | 85 |
| Earnings | 43 (stronger) | 39 |
| Funding & liquidity | 100 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 85th | 62nd |
| Total assets | $18.0M | $5.5M |
| Deposits / shares | $12.0M | $3.8M |
| Capital ratio | 33.05% (stronger) | 30.91% |
| Problem loans | 0.08% (stronger) | 0.44% |
| Net charge-offs | 0.44% | 0.09% (stronger) |
| Return on assets | 0.58% (stronger) | 0.48% |
| Loans ÷ deposits | 48.9% (stronger) | 93.6% |
| Uninsured deposits | 0.3% (stronger) | 6.2% |
| 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 79). On the 7 directional measures above (where higher or lower is clearly better), Victoria Teachers Federal Credit Union leads on 6 and S.T.E.C. Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.