Side-by-side · Q2 2026 data
Falcon International Bank vs LA Joya Area Federal Credit Union
Credit union
LA Joya Area Federal Credit Union
La Joya, Texas · Under $100 million in assets
Metric by metric
| Measure | Falcon International Bank | LA Joya Area Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 53 |
| Capital cushion | 84 (stronger) | 58 |
| Loan quality | 100 (stronger) | 31 |
| Earnings | 81 (stronger) | 22 |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 81 |
| Peer percentile | 97th | 12th |
| Total assets | $2.2B | $62.2M |
| Deposits / shares | $2.0B | $54.1M |
| Capital ratio | 13.44% (stronger) | 10.82% |
| Problem loans | 0.00% (stronger) | 2.07% |
| Net charge-offs | 0.02% (stronger) | 0.54% |
| Return on assets | 1.53% (stronger) | 0.06% |
| Loans ÷ deposits | 73.7% | 55.1% (stronger) |
| Uninsured deposits | 39.4% | 5.6% (stronger) |
| Offices | 18 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.7% | — |
Falcon International Bank has the higher TellerScore (85 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Falcon International Bank leads on 5 and LA Joya Area 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.