Side-by-side · Q2 2026 data
Bank of South Texas vs Cowboy Country Federal Credit Union
Credit union
Cowboy Country Federal Credit Union
Premont, Texas · Under $100 million in assets
Metric by metric
| Measure | Bank of South Texas | Cowboy Country Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 46 |
| Capital cushion | 100 (stronger) | 98 |
| Loan quality | 92 (stronger) | 0 |
| Earnings | 64 (stronger) | 0 |
| Funding & liquidity | 67 | 84 (stronger) |
| Problem-loan coverage | 98 (stronger) | 42 |
| Peer percentile | 90th | 6th |
| Total assets | $174.5M | $16.8M |
| Deposits / shares | $141.1M | $14.3M |
| Capital ratio | 16.63% (stronger) | 14.84% |
| Problem loans | 0.23% (stronger) | 6.70% |
| Net charge-offs | 0.00% (stronger) | 2.79% |
| Return on assets | 1.10% (stronger) | -4.74% |
| Loans ÷ deposits | 88.2% | 76.2% (stronger) |
| Uninsured deposits | 19.7% | 7.1% (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 46). On the 7 directional measures above (where higher or lower is clearly better), Bank of South Texas leads on 5 and Cowboy Country Federal Credit Union on 2. 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.