Side-by-side · Q2 2026 data
Bank of South Texas vs Naft Federal Credit Union
Metric by metric
| Measure | Bank of South Texas | Naft Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 93 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 83 |
| Earnings | 64 | 89 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 90th | 97th |
| Total assets | $174.5M | $162.3M |
| Deposits / shares | $141.1M | $135.7M |
| Capital ratio | 16.63% (stronger) | 16.44% |
| Problem loans | 0.23% (stronger) | 0.50% |
| Net charge-offs | 0.00% (stronger) | 0.24% |
| Return on assets | 1.10% | 1.73% (stronger) |
| Loans ÷ deposits | 88.2% | 51.3% (stronger) |
| Uninsured deposits | 19.7% | 1.3% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Naft Federal Credit Union has the higher TellerScore (93 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Bank of South Texas leads on 3 and Naft Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.