Side-by-side · Q2 2026 data
Extraco Banks, National Association vs Greater Central Texas Federal Credit Union
Credit union
Greater Central Texas Federal Credit Union
Killeen, Texas · Under $100 million in assets
Metric by metric
| Measure | Extraco Banks, National Association | Greater Central Texas Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 80 (stronger) |
| Capital cushion | 37 | 63 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 51 | 53 (stronger) |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 58th | 65th |
| Total assets | $2.6B | $34.2M |
| Deposits / shares | $2.1B | $30.2M |
| Capital ratio | 8.67% | 11.30% (stronger) |
| Problem loans | 0.04% | 0.00% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.16% |
| Return on assets | 0.78% | 0.83% (stronger) |
| Loans ÷ deposits | 62.9% | 26.4% (stronger) |
| Uninsured deposits | 19.2% | 3.8% (stronger) |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | — |
Greater Central Texas Federal Credit Union has the higher TellerScore (80 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Extraco Banks, National Association leads on 1 and Greater Central Texas Federal Credit Union on 6. 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.