Side-by-side · Q2 2026 data
Wichita Falls Federal Credit Union vs Common Cents Federal Credit Union
Credit union
Wichita Falls Federal Credit Union
Wichita Falls, Texas · Under $100 million in assets
Credit union
Common Cents Federal Credit Union
Beaumont, Texas · Under $100 million in assets
Metric by metric
| Measure | Wichita Falls Federal Credit Union | Common Cents Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 87 (stronger) |
| Capital cushion | 68 | 71 (stronger) |
| Loan quality | 89 | 90 (stronger) |
| Earnings | 52 | 100 (stronger) |
| Funding & liquidity | 91 (stronger) | 87 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 54th | 83rd |
| Total assets | $36.1M | $34.2M |
| Deposits / shares | $31.4M | $30.0M |
| Capital ratio | 11.83% | 12.13% (stronger) |
| Problem loans | 0.32% | 0.30% (stronger) |
| Net charge-offs | 0.62% (stronger) | 0.66% |
| Return on assets | 0.79% | 2.37% (stronger) |
| Loans ÷ deposits | 69.1% (stronger) | 73.0% |
| Uninsured deposits | 2.5% | 1.9% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Common Cents Federal Credit Union has the higher TellerScore (87 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Wichita Falls Federal Credit Union leads on 2 and Common Cents Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.