Side-by-side · Q2 2026 data
Wellspring Federal Credit Union vs Cooperative Teachers
Credit union
Wellspring Federal Credit Union
Bridge City, Texas · Under $100 million in assets
Metric by metric
| Measure | Wellspring Federal Credit Union | Cooperative Teachers |
|---|---|---|
| TellerScore | 61 (stronger) | 30 |
| Capital cushion | 39 (stronger) | 29 |
| Loan quality | 76 (stronger) | 0 |
| Earnings | 48 (stronger) | 32 |
| Funding & liquidity | 79 | 85 (stronger) |
| Problem-loan coverage | 88 (stronger) | 22 |
| Peer percentile | 23rd | 1st |
| Total assets | $91.8M | $93.8M |
| Deposits / shares | $82.3M | $83.4M |
| Capital ratio | 8.89% (stronger) | 7.88% |
| Problem loans | 0.71% (stronger) | 4.31% |
| Net charge-offs | 1.33% | 0.47% (stronger) |
| Return on assets | 0.71% (stronger) | 0.30% |
| Loans ÷ deposits | 81.0% | 74.8% (stronger) |
| Uninsured deposits | 3.4% | 3.2% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wellspring Federal Credit Union has the higher TellerScore (61 vs 30). On the 7 directional measures above (where higher or lower is clearly better), Wellspring Federal Credit Union leads on 4 and Cooperative Teachers on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.