Side-by-side · Q2 2026 data
Wellspring Federal Credit Union vs Vidor Teachers Federal Credit Union
Credit union
Wellspring Federal Credit Union
Bridge City, Texas · Under $100 million in assets
Metric by metric
| Measure | Wellspring Federal Credit Union | Vidor Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 83 (stronger) |
| Capital cushion | 39 | 100 (stronger) |
| Loan quality | 76 | 100 (stronger) |
| Earnings | 48 (stronger) | 38 |
| Funding & liquidity | 79 (stronger) | 72 |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 23rd | 72nd |
| Total assets | $91.8M | $3.3M |
| Deposits / shares | $82.3M | $2.8M |
| Capital ratio | 8.89% | 15.81% (stronger) |
| Problem loans | 0.71% | 0.00% (stronger) |
| Net charge-offs | 1.33% | 0.00% (stronger) |
| Return on assets | 0.71% (stronger) | 0.45% |
| Loans ÷ deposits | 81.0% (stronger) | 88.3% |
| Uninsured deposits | 3.4% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vidor Teachers Federal Credit Union has the higher TellerScore (83 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Wellspring Federal Credit Union leads on 2 and Vidor Teachers Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.