Side-by-side · Q2 2026 data
Farmers State Bank vs Members Choice of Central Texas Federal Credit Union
Credit union
Members Choice of Central Texas Federal Credit Union
Waco, Texas · $100 million – $1 billion
Metric by metric
| Measure | Farmers State Bank | Members Choice of Central Texas Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 88 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 99 (stronger) | 98 |
| Earnings | 82 (stronger) | 47 |
| Funding & liquidity | 98 (stronger) | 93 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 75th | 92nd |
| Total assets | $196.0M | $212.9M |
| Deposits / shares | $176.8M | $181.8M |
| Capital ratio | 9.39% | 16.26% (stronger) |
| Problem loans | 0.04% (stronger) | 0.06% |
| Net charge-offs | 0.01% (stronger) | 0.35% |
| Return on assets | 1.55% (stronger) | 0.68% |
| Loans ÷ deposits | 52.0% (stronger) | 66.9% |
| Uninsured deposits | 16.9% | 4.8% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 41.8% |
Members Choice of Central Texas Federal Credit Union has the higher TellerScore (88 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 4 and Members Choice of Central Texas Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.