Side-by-side · Q2 2026 data
Wichita Falls Federal Credit Union vs Mid-Tex Federal Credit Union
Credit union
Wichita Falls Federal Credit Union
Wichita Falls, Texas · Under $100 million in assets
Metric by metric
| Measure | Wichita Falls Federal Credit Union | Mid-Tex Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 65 |
| Capital cushion | 68 (stronger) | 42 |
| Loan quality | 89 (stronger) | 70 |
| Earnings | 52 | 56 (stronger) |
| Funding & liquidity | 91 | 98 (stronger) |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 54th | 30th |
| Total assets | $36.1M | $36.4M |
| Deposits / shares | $31.4M | $33.7M |
| Capital ratio | 11.83% (stronger) | 9.20% |
| Problem loans | 0.32% (stronger) | 0.90% |
| Net charge-offs | 0.62% | 0.07% (stronger) |
| Return on assets | 0.79% | 0.89% (stronger) |
| Loans ÷ deposits | 69.1% | 62.6% (stronger) |
| Uninsured deposits | 2.5% (stronger) | 4.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wichita Falls Federal Credit Union has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Wichita Falls Federal Credit Union leads on 4 and Mid-Tex Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.