Side-by-side · Q2 2026 data
Community Bank & Trust, Waco, Texas vs First Central Credit Union
Metric by metric
| Measure | Community Bank & Trust, Waco, Texas | First Central Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 76 |
| Capital cushion | 100 | 100 |
| Loan quality | 93 (stronger) | 35 |
| Earnings | 64 | 68 (stronger) |
| Funding & liquidity | 91 | 99 (stronger) |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 95th | 68th |
| Total assets | $649.1M | $191.7M |
| Deposits / shares | $562.6M | $160.2M |
| Capital ratio | 15.45% | 16.35% (stronger) |
| Problem loans | 0.21% (stronger) | 1.95% |
| Net charge-offs | 0.58% (stronger) | 0.75% |
| Return on assets | 1.11% | 1.19% (stronger) |
| Loans ÷ deposits | 66.2% | 61.3% (stronger) |
| Uninsured deposits | 17.6% | 5.1% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | 16.0% |
Community Bank & Trust, Waco, Texas has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Community Bank & Trust, Waco, Texas leads on 3 and First Central Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.