Side-by-side · Q2 2026 data
Vidor Teachers Federal Credit Union vs McT Credit Union
Metric by metric
| Measure | Vidor Teachers Federal Credit Union | McT Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 38 | 39 (stronger) |
| Funding & liquidity | 72 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 72nd | 48th |
| Total assets | $3.3M | $415.2M |
| Deposits / shares | $2.8M | $363.0M |
| Capital ratio | 15.81% (stronger) | 10.10% |
| Problem loans | 0.00% (stronger) | 0.29% |
| Net charge-offs | 0.00% (stronger) | 0.12% |
| Return on assets | 0.45% | 0.49% (stronger) |
| Loans ÷ deposits | 88.3% | 70.2% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.4% |
Vidor Teachers Federal Credit Union has the higher TellerScore (83 vs 69). On the 6 directional measures above (where higher or lower is clearly better), Vidor Teachers Federal Credit Union leads on 4 and McT Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.