Side-by-side · Q2 2026 data
Waco Federal Credit Union vs Odessa Employees Credit Union
Metric by metric
| Measure | Waco Federal Credit Union | Odessa Employees Credit Union |
|---|---|---|
| TellerScore | 64 | 89 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 52 | 100 (stronger) |
| Earnings | 57 (stronger) | 46 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 28th | 87th |
| Total assets | $20.3M | $21.0M |
| Deposits / shares | $18.1M | $17.5M |
| Capital ratio | 10.19% | 16.15% (stronger) |
| Problem loans | 1.43% | 0.00% (stronger) |
| Net charge-offs | 0.06% | -0.00% (stronger) |
| Return on assets | 0.93% (stronger) | 0.65% |
| Loans ÷ deposits | 46.1% (stronger) | 60.7% |
| Uninsured deposits | 1.2% | 0.0% (stronger) |
| Offices | 0 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Odessa Employees Credit Union has the higher TellerScore (89 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Waco Federal Credit Union leads on 2 and Odessa Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.