Side-by-side · Q2 2026 data
Wharton County Teachers Credit Union vs Matagorda County Credit Union
Credit union
Wharton County Teachers Credit Union
Wharton, Texas · Under $100 million in assets
Metric by metric
| Measure | Wharton County Teachers Credit Union | Matagorda County Credit Union |
|---|---|---|
| TellerScore | 90 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 94 (stronger) | 90 |
| Earnings | 60 | 82 (stronger) |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 89th | 95th |
| Total assets | $7.4M | $36.2M |
| Deposits / shares | $5.3M | $29.9M |
| Capital ratio | 28.35% (stronger) | 17.39% |
| Problem loans | 0.18% (stronger) | 0.31% |
| Net charge-offs | 0.31% | 0.04% (stronger) |
| Return on assets | 0.99% | 1.55% (stronger) |
| Loans ÷ deposits | 62.1% | 57.0% (stronger) |
| Uninsured deposits | 5.8% | 0.8% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Matagorda County Credit Union has the higher TellerScore (94 vs 90). On the 7 directional measures above (where higher or lower is clearly better), Wharton County Teachers Credit Union leads on 2 and Matagorda County Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.