This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
San Angelo, TX
Health score
69.3
Total assets
$25.7M
Credit union
Kerrville, TX
Health score
60.3
Total assets
$26.7M
Answer first
CONCHO VALLEY leads on financial health and capitalization and profitability and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
CONCHO VALLEY
Higher TFS health score
Capitalization
CONCHO VALLEY
Higher comparable capital ratio
Profitability
CONCHO VALLEY
Higher return on assets
Lending quality
CONCHO VALLEY
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | CONCHO VALLEY | TEXHILLCO SCHOOL EMPLOYEES |
|---|---|---|
| TFS health score | 69.3/100Leads | 60.3/100 |
| Total assets | $25.7M | $26.7M |
| Total deposits / shares | $22.6M | $23.3M |
| Net worth ratio | 11.44%Leads | 9.93% |
| Return on assets | 0.79%Leads | 0.07% |
| Return on equity | 6.88%Leads |
CONCHO VALLEY
1 branches
TEXHILLCO SCHOOL EMPLOYEES
2 branches
Both institutions report branches in 1 state: TX.
CONCHO VALLEY
Unavailable
TEXHILLCO SCHOOL EMPLOYEES
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
CONCHO VALLEY
0 in TFS registry
TEXHILLCO SCHOOL EMPLOYEES
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | CONCHO VALLEY score | CONCHO VALLEY ROA | TEXHILLCO SCHOOL EMPLOYEES score | TEXHILLCO SCHOOL EMPLOYEES ROA |
|---|---|---|---|---|
| 2026-Q1 | 66.4/100 | 0.76% | 61.5/100 | -0.30% |
| 2026-Q2 | 69.3/100 | 0.79% | 60.3/100 | 0.07% |
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Coverage boundaries
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| 0.75% |
| 60+ day delinquency | 0.14%Leads | 0.61% |
| Net charge-offs | 0.10%Leads | 0.81% |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 59.59% | 95.98% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 1 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |