Side-by-side · Q2 2026 data
Community Bank & Trust, Waco, Texas vs Heart O' Texas Federal Credit Union
Credit union
Heart O' Texas Federal Credit Union
Waco, Texas · Under $100 million in assets
Metric by metric
| Measure | Community Bank & Trust, Waco, Texas | Heart O' Texas Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 49 |
| Capital cushion | 100 (stronger) | 24 |
| Loan quality | 93 (stronger) | 71 |
| Earnings | 64 (stronger) | 22 |
| Funding & liquidity | 91 (stronger) | 80 |
| Problem-loan coverage | 98 (stronger) | 79 |
| Peer percentile | 95th | 8th |
| Total assets | $649.1M | $54.6M |
| Deposits / shares | $562.6M | $50.3M |
| Capital ratio | 15.45% (stronger) | 7.43% |
| Problem loans | 0.21% (stronger) | 0.86% |
| Net charge-offs | 0.58% | 0.37% (stronger) |
| Return on assets | 1.11% (stronger) | 0.05% |
| Loans ÷ deposits | 66.2% (stronger) | 80.2% |
| Uninsured deposits | 17.6% | 3.6% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | — |
Community Bank & Trust, Waco, Texas has the higher TellerScore (90 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Community Bank & Trust, Waco, Texas leads on 5 and Heart O' Texas 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.