Side-by-side · Q2 2026 data
Wichita Falls Teachers Federal Credit Union vs First Watch Federal 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 | First Watch Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 66 |
| Capital cushion | 74 (stronger) | 43 |
| Loan quality | 90 | 99 (stronger) |
| Earnings | 60 (stronger) | 28 |
| Funding & liquidity | 100 (stronger) | 87 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 82nd | 37th |
| Total assets | $115.6M | $104.7M |
| Deposits / shares | $102.3M | $94.7M |
| Capital ratio | 12.42% (stronger) | 9.33% |
| Problem loans | 0.31% | 0.03% (stronger) |
| Net charge-offs | 0.54% | 0.14% (stronger) |
| Return on assets | 0.99% (stronger) | 0.19% |
| Loans ÷ deposits | 55.2% (stronger) | 73.0% |
| Uninsured deposits | 6.7% | 6.4% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 27.8% |
Wichita Falls Teachers Federal Credit Union has the higher TellerScore (82 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Wichita Falls Teachers Federal Credit Union leads on 4 and First Watch Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.