Side-by-side · Q2 2026 data
Community Bank & Trust, Waco, Texas vs McLennan County Employees Federal Credit Union
Credit union
McLennan County Employees Federal Credit Union
Waco, Texas · Under $100 million in assets
Metric by metric
| Measure | Community Bank & Trust, Waco, Texas | McLennan County Employees Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 85 |
| Capital cushion | 100 | 100 |
| Loan quality | 93 | 99 (stronger) |
| Earnings | 64 (stronger) | 26 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 95th | 77th |
| Total assets | $649.1M | $21.6M |
| Deposits / shares | $562.6M | $15.9M |
| Capital ratio | 15.45% | 25.62% (stronger) |
| Problem loans | 0.21% | 0.02% (stronger) |
| Net charge-offs | 0.58% | 0.22% (stronger) |
| Return on assets | 1.11% (stronger) | 0.16% |
| Loans ÷ deposits | 66.2% | 41.3% (stronger) |
| Uninsured deposits | 17.6% | 1.9% (stronger) |
| Offices | 3 | 2 |
| 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 85). On the 7 directional measures above (where higher or lower is clearly better), Community Bank & Trust, Waco, Texas leads on 2 and McLennan County Employees Federal Credit Union on 5. 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.