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
Buffalo, NY
Health score
29.9
Total assets
$1.1M
Credit union
Aurora, NC
Health score
54.8
Total assets
$1.1M
Answer first
ST. JOHN UNITED leads on profitability and lending quality; TEXAS GULF CAROLINA EMP leads on financial health and capitalization. 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
TEXAS GULF CAROLINA EMP
Higher TFS health score
Capitalization
TEXAS GULF CAROLINA EMP
Higher comparable capital ratio
Profitability
ST. JOHN UNITED
Higher return on assets
Lending quality
ST. JOHN UNITED
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | ST. JOHN UNITED | TEXAS GULF CAROLINA EMP |
|---|---|---|
| TFS health score | 29.9/100 | 54.8/100Leads |
| Total assets | $1.1M | $1.1M |
| Total deposits / shares | $987.9K | $724.8K |
| Net worth ratio | 10.83% | 36.27%Leads |
| Return on assets | -0.82%Leads | -5.49% |
| Return on equity | -7.54%Leads |
ST. JOHN UNITED
1 branches
TEXAS GULF CAROLINA EMP
4 branches
No shared branch states were found in the current TFS branch dataset.
ST. JOHN UNITED
Unavailable
TEXAS GULF CAROLINA EMP
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.
ST. JOHN UNITED
0 in TFS registry
TEXAS GULF CAROLINA EMP
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 | ST. JOHN UNITED score | ST. JOHN UNITED ROA | TEXAS GULF CAROLINA EMP score | TEXAS GULF CAROLINA EMP ROA |
|---|---|---|---|---|
| 2026-Q1 | 25.5/100 | -0.31% | 47.4/100 | -5.91% |
| 2026-Q2 | 29.9/100 | -0.82% | 54.8/100 | -5.49% |
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Coverage boundaries
Related comparisons
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.
| -15.14% |
| 60+ day delinquency | 4.62%Leads | 9.84% |
| Net charge-offs | 3.32% | 0.00%Leads |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 21.75% | 106.12% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 1 | 4 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |