Side-by-side · Q2 2026 data
Bandera Bank vs Southwest Research Center Federal Credit Union
Credit union
Southwest Research Center Federal Credit Union
San Antonio, Texas · Under $100 million in assets
Metric by metric
| Measure | Bandera Bank | Southwest Research Center Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 79 |
| Capital cushion | 73 (stronger) | 66 |
| Loan quality | 90 (stronger) | 83 |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 87th | 62nd |
| Total assets | $89.3M | $87.6M |
| Deposits / shares | $78.6M | $77.7M |
| Capital ratio | 12.29% (stronger) | 11.55% |
| Problem loans | 0.30% (stronger) | 0.50% |
| Net charge-offs | 0.12% (stronger) | 0.23% |
| Return on assets | 2.22% (stronger) | 1.16% |
| Loans ÷ deposits | 59.6% | 54.2% (stronger) |
| Uninsured deposits | 9.1% | 2.5% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bandera Bank has the higher TellerScore (89 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Bandera Bank leads on 5 and Southwest Research Center Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.