Side-by-side · Q2 2026 data
Bank of South Texas vs LA Joya Area Federal Credit Union
Credit union
LA Joya Area Federal Credit Union
La Joya, Texas · Under $100 million in assets
Metric by metric
| Measure | Bank of South Texas | LA Joya Area Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 53 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 92 (stronger) | 31 |
| Earnings | 64 (stronger) | 22 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 81 |
| Peer percentile | 90th | 12th |
| Total assets | $174.5M | $62.2M |
| Deposits / shares | $141.1M | $54.1M |
| Capital ratio | 16.63% (stronger) | 10.82% |
| Problem loans | 0.23% (stronger) | 2.07% |
| Net charge-offs | 0.00% (stronger) | 0.54% |
| Return on assets | 1.10% (stronger) | 0.06% |
| Loans ÷ deposits | 88.2% | 55.1% (stronger) |
| Uninsured deposits | 19.7% | 5.6% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of South Texas has the higher TellerScore (86 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Bank of South Texas leads on 5 and LA Joya Area Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.