Side-by-side · Q2 2026 data
Wichita Falls Teachers Federal Credit Union vs Union Square 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 | Union Square Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 37 |
| Capital cushion | 74 (stronger) | 34 |
| Loan quality | 90 (stronger) | 10 |
| Earnings | 60 (stronger) | 34 |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 98 (stronger) | 50 |
| Peer percentile | 82nd | 1st |
| Total assets | $115.6M | $601.3M |
| Deposits / shares | $102.3M | $550.3M |
| Capital ratio | 12.42% (stronger) | 8.36% |
| Problem loans | 0.31% (stronger) | 2.69% |
| Net charge-offs | 0.54% (stronger) | 0.56% |
| Return on assets | 0.99% (stronger) | 0.36% |
| Loans ÷ deposits | 55.2% (stronger) | 79.4% |
| Uninsured deposits | 6.7% (stronger) | 7.0% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 11.7% |
Wichita Falls Teachers Federal Credit Union has the higher TellerScore (82 vs 37). On the 7 directional measures above (where higher or lower is clearly better), Wichita Falls Teachers Federal Credit Union leads on 7 and Union Square Credit Union on 0. 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.