Side-by-side · Q2 2026 data
W T N M Atlantic Federal Credit Union vs Seminole Public Schools Federal Credit Union
Credit union
W T N M Atlantic Federal Credit Union
Denver City, Texas · Under $100 million in assets
Credit union
Seminole Public Schools Federal Credit Union
Seminole, Texas · Under $100 million in assets
Metric by metric
| Measure | W T N M Atlantic Federal Credit Union | Seminole Public Schools Federal Credit Union |
|---|---|---|
| TellerScore | 63 (stronger) | 58 |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 0 |
| Earnings | 56 (stronger) | 21 |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 70 | 87 (stronger) |
| Peer percentile | 26th | 19th |
| Total assets | $2.1M | $7.4M |
| Deposits / shares | $1.7M | $5.7M |
| Capital ratio | 21.20% | 22.26% (stronger) |
| Problem loans | 6.76% | 4.37% (stronger) |
| Net charge-offs | 0.41% | 0.17% (stronger) |
| Return on assets | 0.91% (stronger) | 0.02% |
| Loans ÷ deposits | 64.0% | 44.1% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
W T N M Atlantic Federal Credit Union has the higher TellerScore (63 vs 58). On the 6 directional measures above (where higher or lower is clearly better), W T N M Atlantic Federal Credit Union leads on 2 and Seminole Public Schools Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.