Side-by-side · Q2 2026 data
W T N M Atlantic Federal Credit Union vs St. Luke'S Community Federal Credit Union
Credit union
W T N M Atlantic Federal Credit Union
Denver City, Texas · Under $100 million in assets
Credit union
St. Luke'S Community Federal Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | W T N M Atlantic Federal Credit Union | St. Luke'S Community Federal Credit Union |
|---|---|---|
| TellerScore | 63 (stronger) | 53 |
| Capital cushion | 100 (stronger) | 67 |
| Loan quality | 0 | 0 |
| Earnings | 56 (stronger) | 51 |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 70 | 81 (stronger) |
| Peer percentile | 26th | 12th |
| Total assets | $2.1M | $1.9M |
| Deposits / shares | $1.7M | $1.7M |
| Capital ratio | 21.20% (stronger) | 11.73% |
| Problem loans | 6.76% | 3.03% (stronger) |
| Net charge-offs | 0.41% | 0.00% (stronger) |
| Return on assets | 0.91% (stronger) | 0.78% |
| Loans ÷ deposits | 64.0% | 43.9% (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 53). On the 6 directional measures above (where higher or lower is clearly better), W T N M Atlantic Federal Credit Union leads on 3 and St. Luke'S Community Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.