Side-by-side · Q2 2026 data
Bridge City State Bank vs Common Cents Federal Credit Union
Credit union
Common Cents Federal Credit Union
Beaumont, Texas · Under $100 million in assets
Metric by metric
| Measure | Bridge City State Bank | Common Cents Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 87 (stronger) |
| Capital cushion | 67 | 71 (stronger) |
| Loan quality | 97 (stronger) | 90 |
| Earnings | 64 | 100 (stronger) |
| Funding & liquidity | 60 | 87 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 64th | 83rd |
| Total assets | $246.8M | $34.2M |
| Deposits / shares | $199.7M | $30.0M |
| Capital ratio | 11.71% | 12.13% (stronger) |
| Problem loans | 0.08% (stronger) | 0.30% |
| Net charge-offs | -0.00% (stronger) | 0.66% |
| Return on assets | 1.09% | 2.37% (stronger) |
| Loans ÷ deposits | 66.8% (stronger) | 73.0% |
| Uninsured deposits | 45.1% | 1.9% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | — |
Common Cents Federal Credit Union has the higher TellerScore (87 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Bridge City State Bank leads on 3 and Common Cents Federal Credit Union on 4. 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.