Side-by-side · Q2 2026 data
First Liberty Bank vs Gulf Coast Educators Federal Credit Union
Credit union
Gulf Coast Educators Federal Credit Union
Pasadena, Texas · $1 billion – $10 billion
Metric by metric
| Measure | First Liberty Bank | Gulf Coast Educators Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 77 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 86 (stronger) | 70 |
| Earnings | 74 (stronger) | 56 |
| Funding & liquidity | 71 (stronger) | 59 |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 50th | 82nd |
| Total assets | $873.2M | $1.3B |
| Deposits / shares | $763.3M | $1.1B |
| Capital ratio | 10.11% | 15.70% (stronger) |
| Problem loans | 0.42% (stronger) | 0.90% |
| Net charge-offs | 0.10% (stronger) | 0.67% |
| Return on assets | 1.34% (stronger) | 0.91% |
| Loans ÷ deposits | 64.1% (stronger) | 81.9% |
| Uninsured deposits | 37.6% | 32.5% (stronger) |
| Offices | 11 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.3% | 9.9% |
Gulf Coast Educators Federal Credit Union has the higher TellerScore (77 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Liberty Bank leads on 4 and Gulf Coast Educators Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.