Side-by-side · Q2 2026 data
Bank of South Texas vs Brownsville City Employees Federal Credit Union
Credit union
Brownsville City Employees Federal Credit Union
Brownsville, Texas · Under $100 million in assets
Metric by metric
| Measure | Bank of South Texas | Brownsville City Employees Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 83 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 87 |
| Earnings | 64 (stronger) | 33 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 90th | 72nd |
| Total assets | $174.5M | $6.9M |
| Deposits / shares | $141.1M | $4.6M |
| Capital ratio | 16.63% | 31.93% (stronger) |
| Problem loans | 0.23% (stronger) | 0.40% |
| Net charge-offs | 0.00% (stronger) | 1.56% |
| Return on assets | 1.10% (stronger) | 0.32% |
| Loans ÷ deposits | 88.2% | 46.7% (stronger) |
| Uninsured deposits | 19.7% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of South Texas has the higher TellerScore (86 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Bank of South Texas leads on 4 and Brownsville City Employees Federal 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.