Side-by-side · Q2 2026 data
First Community Bank vs Highway District 21 Federal Credit Union
Credit union
Highway District 21 Federal Credit Union
McAllen, Texas · Under $100 million in assets
Metric by metric
| Measure | First Community Bank | Highway District 21 Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 95 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 91 (stronger) | 86 |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 80th | 96th |
| Total assets | $794.4M | $51.6M |
| Deposits / shares | $697.4M | $39.4M |
| Capital ratio | 10.36% | 23.08% (stronger) |
| Problem loans | 0.01% (stronger) | 0.23% |
| Net charge-offs | 0.02% | 0.02% (stronger) |
| Return on assets | 1.78% (stronger) | 1.66% |
| Loans ÷ deposits | 66.1% | 53.1% (stronger) |
| Uninsured deposits | 29.3% | 12.3% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Highway District 21 Federal Credit Union has the higher TellerScore (95 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 2 and Highway District 21 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.