Side-by-side · Q2 2026 data
Commercial Bank of Texas, National Association vs Mopac Employees Federal Credit Union
Bank
Commercial Bank of Texas, National Association
Nacogdoches, Texas · $1 billion – $10 billion
Credit union
Mopac Employees Federal Credit Union
Palestine, Texas · Under $100 million in assets
Metric by metric
| Measure | Commercial Bank of Texas, National Association | Mopac Employees Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 61 |
| Capital cushion | 56 (stronger) | 47 |
| Loan quality | 95 (stronger) | 89 |
| Earnings | 85 (stronger) | 29 |
| Funding & liquidity | 67 (stronger) | 64 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 83rd | 23rd |
| Total assets | $1.7B | $22.4M |
| Deposits / shares | $1.5B | $19.9M |
| Capital ratio | 10.60% (stronger) | 9.66% |
| Problem loans | 0.14% (stronger) | 0.34% |
| Net charge-offs | 0.11% (stronger) | 0.31% |
| Return on assets | 1.62% (stronger) | 0.23% |
| Loans ÷ deposits | 77.0% (stronger) | 96.1% |
| Uninsured deposits | 29.5% | 0.0% (stronger) |
| Offices | 23 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Commercial Bank of Texas, National Association has the higher TellerScore (77 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank of Texas, National Association leads on 6 and Mopac Employees Federal Credit Union on 1. 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.