Side-by-side · Q2 2026 data
Vidor Teachers Federal Credit Union vs Union Pacific Employees Credit Union
Credit union
Union Pacific Employees Credit Union
Beaumont, Texas · Under $100 million in assets
Metric by metric
| Measure | Vidor Teachers Federal Credit Union | Union Pacific Employees Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 59 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 33 |
| Earnings | 38 (stronger) | 2 |
| Funding & liquidity | 72 | 74 (stronger) |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 72nd | 20th |
| Total assets | $3.3M | $3.8M |
| Deposits / shares | $2.8M | $2.9M |
| Capital ratio | 15.81% | 23.66% (stronger) |
| Problem loans | 0.00% (stronger) | 2.02% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 0.45% (stronger) | -0.44% |
| Loans ÷ deposits | 88.3% | 86.6% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vidor Teachers Federal Credit Union has the higher TellerScore (83 vs 59). On the 6 directional measures above (where higher or lower is clearly better), Vidor Teachers Federal Credit Union leads on 4 and Union Pacific Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.