Side-by-side · Q2 2026 data
Community Bank & Trust, Waco, Texas vs Genco Federal Credit Union
Metric by metric
| Measure | Community Bank & Trust, Waco, Texas | Genco Federal Credit Union |
|---|---|---|
| TellerScore | 90 | 96 (stronger) |
| Capital cushion | 100 (stronger) | 93 |
| Loan quality | 93 | 94 (stronger) |
| Earnings | 64 | 98 (stronger) |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 95th | 99th |
| Total assets | $649.1M | $494.7M |
| Deposits / shares | $562.6M | $421.9M |
| Capital ratio | 15.45% (stronger) | 14.26% |
| Problem loans | 0.21% | 0.19% (stronger) |
| Net charge-offs | 0.58% (stronger) | 0.63% |
| Return on assets | 1.11% | 1.95% (stronger) |
| Loans ÷ deposits | 66.2% | 56.5% (stronger) |
| Uninsured deposits | 17.6% | 6.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | 57.1% |
Genco Federal Credit Union has the higher TellerScore (96 vs 90). On the 7 directional measures above (where higher or lower is clearly better), Community Bank & Trust, Waco, Texas leads on 2 and Genco Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.