Side-by-side · Q2 2026 data
Central National Bank vs Matagorda County Credit Union
Metric by metric
| Measure | Central National Bank | Matagorda County Credit Union |
|---|---|---|
| TellerScore | 74 | 94 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 96 (stronger) | 90 |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 38 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 74th | 95th |
| Total assets | $1.5B | $36.2M |
| Deposits / shares | $1.3B | $29.9M |
| Capital ratio | 9.94% | 17.39% (stronger) |
| Problem loans | 0.11% (stronger) | 0.31% |
| Net charge-offs | 0.03% (stronger) | 0.04% |
| Return on assets | 2.01% (stronger) | 1.55% |
| Loans ÷ deposits | 91.0% | 57.0% (stronger) |
| Uninsured deposits | 43.6% | 0.8% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.0% | — |
Matagorda County Credit Union has the higher TellerScore (94 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Central National Bank leads on 3 and Matagorda County 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.