Side-by-side · Q2 2026 data
Austin Bank, Texas National Association vs Liberty County Teachers Federal Credit Union
Bank
Austin Bank, Texas National Association
Jacksonville, Texas · $1 billion – $10 billion
Credit union
Liberty County Teachers Federal Credit Union
Liberty, Texas · Under $100 million in assets
Metric by metric
| Measure | Austin Bank, Texas National Association | Liberty County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 88 | 97 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 80 | 99 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 60 | 80 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 98th | 98th |
| Total assets | $3.3B | $23.8M |
| Deposits / shares | $2.8B | $19.5M |
| Capital ratio | 15.12% | 17.13% (stronger) |
| Problem loans | 0.60% | 0.03% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.18% |
| Return on assets | 2.08% | 2.15% (stronger) |
| Loans ÷ deposits | 88.0% | 80.7% (stronger) |
| Uninsured deposits | 26.0% | 0.6% (stronger) |
| Offices | 38 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.4% | — |
Liberty County Teachers Federal Credit Union has the higher TellerScore (97 vs 88). On the 7 directional measures above (where higher or lower is clearly better), Austin Bank, Texas National Association leads on 1 and Liberty County Teachers Federal Credit Union on 6. 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.