Side-by-side · Q2 2026 data
First Central Credit Union vs Lone Star Credit Union
Metric by metric
| Measure | First Central Credit Union | Lone Star Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 39 |
| Loan quality | 35 | 92 (stronger) |
| Earnings | 68 (stronger) | 39 |
| Funding & liquidity | 99 (stronger) | 88 |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 68th | 34th |
| Total assets | $191.7M | $188.3M |
| Deposits / shares | $160.2M | $169.8M |
| Capital ratio | 16.35% (stronger) | 8.93% |
| Problem loans | 1.95% | 0.25% (stronger) |
| Net charge-offs | 0.75% (stronger) | 0.80% |
| Return on assets | 1.19% (stronger) | 0.49% |
| Loans ÷ deposits | 61.3% (stronger) | 72.0% |
| Uninsured deposits | 5.1% (stronger) | 7.9% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.0% | — |
First Central Credit Union has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Central Credit Union leads on 6 and Lone Star Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.