Side-by-side · Q2 2026 data
Wichita Falls Federal Credit Union vs Northeast Texas Teachers Federal Credit Union
Credit union
Wichita Falls Federal Credit Union
Wichita Falls, Texas · Under $100 million in assets
Credit union
Northeast Texas Teachers Federal Credit Union
Paris, Texas · Under $100 million in assets
Metric by metric
| Measure | Wichita Falls Federal Credit Union | Northeast Texas Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 83 (stronger) |
| Capital cushion | 68 | 95 (stronger) |
| Loan quality | 89 (stronger) | 86 |
| Earnings | 52 (stronger) | 40 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 54th | 72nd |
| Total assets | $36.1M | $33.1M |
| Deposits / shares | $31.4M | $28.1M |
| Capital ratio | 11.83% | 14.45% (stronger) |
| Problem loans | 0.32% (stronger) | 0.43% |
| Net charge-offs | 0.62% | 0.15% (stronger) |
| Return on assets | 0.79% (stronger) | 0.50% |
| Loans ÷ deposits | 69.1% | 22.7% (stronger) |
| Uninsured deposits | 2.5% | 0.1% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northeast Texas Teachers Federal Credit Union has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Wichita Falls Federal Credit Union leads on 2 and Northeast Texas Teachers Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.