Side-by-side · Q2 2026 data
Walton County Teachers Federal Credit Union vs 1st Street Credit Union
Credit union
Walton County Teachers Federal Credit Union
Defuniak Spring, Florida · Under $100 million in assets
Metric by metric
| Measure | Walton County Teachers Federal Credit Union | 1st Street Credit Union |
|---|---|---|
| TellerScore | 81 | 89 (stronger) |
| Capital cushion | 59 | 97 (stronger) |
| Loan quality | 85 | 97 (stronger) |
| Earnings | 87 (stronger) | 55 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 68th | 87th |
| Total assets | $30.1M | $34.5M |
| Deposits / shares | $26.6M | $29.2M |
| Capital ratio | 10.89% | 14.66% (stronger) |
| Problem loans | 0.45% | 0.10% (stronger) |
| Net charge-offs | 0.30% | 0.18% (stronger) |
| Return on assets | 1.66% (stronger) | 0.86% |
| Loans ÷ deposits | 52.1% | 42.0% (stronger) |
| Uninsured deposits | 1.2% (stronger) | 6.1% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
1st Street Credit Union has the higher TellerScore (89 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Walton County Teachers Federal Credit Union leads on 2 and 1st Street Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.