Side-by-side · Q2 2026 data
Alliance Bank Central Texas vs Freestone Credit Union
Metric by metric
| Measure | Alliance Bank Central Texas | Freestone Credit Union |
|---|---|---|
| TellerScore | 72 | 73 (stronger) |
| Capital cushion | 68 (stronger) | 53 |
| Loan quality | 99 (stronger) | 97 |
| Earnings | 60 (stronger) | 41 |
| Funding & liquidity | 44 | 100 (stronger) |
| Problem-loan coverage | 80 | 99 (stronger) |
| Peer percentile | 66th | 47th |
| Total assets | $1.3B | $77.3M |
| Deposits / shares | $1.1B | $67.8M |
| Capital ratio | 11.76% (stronger) | 10.32% |
| Problem loans | 0.02% (stronger) | 0.10% |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | 1.01% (stronger) | 0.54% |
| Loans ÷ deposits | 82.7% | 55.9% (stronger) |
| Uninsured deposits | 45.0% | 5.7% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | — |
Freestone Credit Union has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Alliance Bank Central Texas leads on 4 and Freestone Credit Union on 3. 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.
Where both have branches
- Jewett, TX