Side-by-side · Q2 2026 data
Waco Federal Credit Union vs McLennan County Employees Federal Credit Union
Credit union
McLennan County Employees Federal Credit Union
Waco, Texas · Under $100 million in assets
Metric by metric
| Measure | Waco Federal Credit Union | McLennan County Employees Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 85 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 52 | 99 (stronger) |
| Earnings | 57 (stronger) | 26 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 28th | 77th |
| Total assets | $20.3M | $21.6M |
| Deposits / shares | $18.1M | $15.9M |
| Capital ratio | 10.19% | 25.62% (stronger) |
| Problem loans | 1.43% | 0.02% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.22% |
| Return on assets | 0.93% (stronger) | 0.16% |
| Loans ÷ deposits | 46.1% | 41.3% (stronger) |
| Uninsured deposits | 1.2% (stronger) | 1.9% |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
McLennan County Employees Federal Credit Union has the higher TellerScore (85 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Waco Federal Credit Union leads on 3 and McLennan County Employees Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.