Side-by-side · Q2 2026 data
Bank of South Texas vs Texas Community Federal Credit Union
Credit union
Texas Community Federal Credit Union
Kingsville, Texas · Under $100 million in assets
Metric by metric
| Measure | Bank of South Texas | Texas Community Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 97 |
| Loan quality | 92 (stronger) | 57 |
| Earnings | 64 | 82 (stronger) |
| Funding & liquidity | 67 | 72 (stronger) |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 90th | 62nd |
| Total assets | $174.5M | $30.1M |
| Deposits / shares | $141.1M | $25.4M |
| Capital ratio | 16.63% (stronger) | 14.65% |
| Problem loans | 0.23% (stronger) | 1.29% |
| Net charge-offs | 0.00% (stronger) | 0.90% |
| Return on assets | 1.10% | 1.55% (stronger) |
| Loans ÷ deposits | 88.2% | 87.9% (stronger) |
| Uninsured deposits | 19.7% | 12.9% (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 79). On the 7 directional measures above (where higher or lower is clearly better), Bank of South Texas leads on 4 and Texas Community 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.