Side-by-side · Q2 2026 data
Commerce Bank vs South Texas Regional Federal Credit Union
Credit union
South Texas Regional Federal Credit Union
Laredo, Texas · Under $100 million in assets
Metric by metric
| Measure | Commerce Bank | South Texas Regional Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 83 |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 99 (stronger) | 95 |
| Earnings | 92 (stronger) | 39 |
| Funding & liquidity | 80 | 80 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 91st | 72nd |
| Total assets | $762.5M | $5.7M |
| Deposits / shares | $664.5M | $4.8M |
| Capital ratio | 12.28% | 15.47% (stronger) |
| Problem loans | 0.03% (stronger) | 0.15% |
| Net charge-offs | 0.16% (stronger) | 0.16% |
| Return on assets | 1.81% (stronger) | 0.47% |
| Loans ÷ deposits | 28.9% (stronger) | 80.5% |
| Uninsured deposits | 33.1% | 0.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Commerce Bank has the higher TellerScore (87 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Commerce Bank leads on 5 and South Texas Regional Federal 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.