Side-by-side · Q2 2026 data
Wichita Falls Teachers Federal Credit Union vs Centex Citizens Credit Union
Credit union
Wichita Falls Teachers Federal Credit Union
Wichita Falls, Texas · $100 million – $1 billion
Metric by metric
| Measure | Wichita Falls Teachers Federal Credit Union | Centex Citizens Credit Union |
|---|---|---|
| TellerScore | 82 | 89 (stronger) |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 90 (stronger) | 85 |
| Earnings | 60 | 69 (stronger) |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 82nd | 94th |
| Total assets | $115.6M | $118.9M |
| Deposits / shares | $102.3M | $97.7M |
| Capital ratio | 12.42% | 17.16% (stronger) |
| Problem loans | 0.31% (stronger) | 0.44% |
| Net charge-offs | 0.54% | 0.11% (stronger) |
| Return on assets | 0.99% | 1.23% (stronger) |
| Loans ÷ deposits | 55.2% (stronger) | 65.7% |
| Uninsured deposits | 6.7% | 5.6% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Centex Citizens Credit Union has the higher TellerScore (89 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Wichita Falls Teachers Federal Credit Union leads on 2 and Centex Citizens Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.