Side-by-side · Q2 2026 data
Austin Bank, Texas National Association vs U. S. Employees Credit Union
Bank
Austin Bank, Texas National Association
Jacksonville, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Austin Bank, Texas National Association | U. S. Employees Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 80 | 93 (stronger) |
| Earnings | 100 (stronger) | 49 |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 98th | 49th |
| Total assets | $3.3B | $86.4M |
| Deposits / shares | $2.8B | $77.0M |
| Capital ratio | 15.12% (stronger) | 10.38% |
| Problem loans | 0.60% | 0.20% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.35% |
| Return on assets | 2.08% (stronger) | 0.72% |
| Loans ÷ deposits | 88.0% | 48.6% (stronger) |
| Uninsured deposits | 26.0% | 4.0% (stronger) |
| Offices | 38 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.4% | — |
Austin Bank, Texas National Association has the higher TellerScore (88 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Austin Bank, Texas National Association leads on 4 and U. S. Employees 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.