Side-by-side · Q2 2026 data
Austin County State Bank vs Germania Credit Union
Metric by metric
| Measure | Austin County State Bank | Germania Credit Union |
|---|---|---|
| TellerScore | 75 | 81 (stronger) |
| Capital cushion | 45 | 76 (stronger) |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 100 (stronger) | 41 |
| Funding & liquidity | 66 | 98 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 61st | 68th |
| Total assets | $543.0M | $19.5M |
| Deposits / shares | $489.7M | $16.9M |
| Capital ratio | 9.55% | 12.58% (stronger) |
| Problem loans | 0.37% | 0.00% (stronger) |
| Net charge-offs | -0.03% | -0.03% (stronger) |
| Return on assets | 2.21% (stronger) | 0.53% |
| Loans ÷ deposits | 78.5% | 62.2% (stronger) |
| Uninsured deposits | 29.0% | 1.9% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Germania Credit Union has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Austin County State Bank leads on 1 and Germania 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.