Side-by-side · Q2 2026 data
Capital Bank vs Galveston Government Employees Credit Union
Credit union
Galveston Government Employees Credit Union
Dickinson, Texas · Under $100 million in assets
Metric by metric
| Measure | Capital Bank | Galveston Government Employees Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 32 |
| Capital cushion | 58 (stronger) | 43 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 88 (stronger) | 0 |
| Funding & liquidity | 47 | 85 (stronger) |
| Problem-loan coverage | 100 (stronger) | 60 |
| Peer percentile | 68th | 1st |
| Total assets | $689.7M | $6.8M |
| Deposits / shares | $608.7M | $6.2M |
| Capital ratio | 10.81% (stronger) | 9.27% |
| Problem loans | 0.01% (stronger) | 3.07% |
| Net charge-offs | 0.11% (stronger) | 0.45% |
| Return on assets | 1.71% (stronger) | -2.81% |
| Loans ÷ deposits | 96.1% | 75.2% (stronger) |
| Uninsured deposits | 31.0% | 9.8% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
Capital Bank has the higher TellerScore (77 vs 32). On the 7 directional measures above (where higher or lower is clearly better), Capital Bank leads on 5 and Galveston Government Employees Credit Union on 2. 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.