Side-by-side · Q2 2026 data
Wichita Falls Federal Credit Union vs Union Square 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 | Union Square Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 37 |
| Capital cushion | 68 (stronger) | 34 |
| Loan quality | 89 (stronger) | 10 |
| Earnings | 52 (stronger) | 34 |
| Funding & liquidity | 91 (stronger) | 81 |
| Problem-loan coverage | 96 (stronger) | 50 |
| Peer percentile | 54th | 1st |
| Total assets | $36.1M | $601.3M |
| Deposits / shares | $31.4M | $550.3M |
| Capital ratio | 11.83% (stronger) | 8.36% |
| Problem loans | 0.32% (stronger) | 2.69% |
| Net charge-offs | 0.62% | 0.56% (stronger) |
| Return on assets | 0.79% (stronger) | 0.36% |
| Loans ÷ deposits | 69.1% (stronger) | 79.4% |
| Uninsured deposits | 2.5% (stronger) | 7.0% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.7% |
Wichita Falls Federal Credit Union has the higher TellerScore (76 vs 37). On the 7 directional measures above (where higher or lower is clearly better), Wichita Falls Federal Credit Union leads on 6 and Union Square Credit Union on 1. 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.