Side-by-side · Q2 2026 data
Bank of South Texas vs Highway District 21 Federal Credit Union
Credit union
Highway District 21 Federal Credit Union
McAllen, Texas · Under $100 million in assets
Metric by metric
| Measure | Bank of South Texas | Highway District 21 Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 95 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 92 | 92 |
| Earnings | 64 | 86 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 90th | 96th |
| Total assets | $174.5M | $51.6M |
| Deposits / shares | $141.1M | $39.4M |
| Capital ratio | 16.63% | 23.08% (stronger) |
| Problem loans | 0.23% | 0.23% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.10% | 1.66% (stronger) |
| Loans ÷ deposits | 88.2% | 53.1% (stronger) |
| Uninsured deposits | 19.7% | 12.3% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Highway District 21 Federal Credit Union has the higher TellerScore (95 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Bank of South Texas leads on 1 and Highway District 21 Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.