Side-by-side · Q2 2026 data
First Lockhart Bank vs Austin Telco Federal Credit Union
Metric by metric
| Measure | First Lockhart Bank | Austin Telco Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 78 (stronger) |
| Capital cushion | 43 | 90 (stronger) |
| Loan quality | 90 (stronger) | 88 |
| Earnings | 48 (stronger) | 44 |
| Funding & liquidity | 57 | 72 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 24th | 84th |
| Total assets | $415.9M | $2.5B |
| Deposits / shares | $375.0M | $2.1B |
| Capital ratio | 9.34% | 14.04% (stronger) |
| Problem loans | 0.29% (stronger) | 0.35% |
| Net charge-offs | 0.03% (stronger) | 0.26% |
| Return on assets | 0.70% (stronger) | 0.60% |
| Loans ÷ deposits | 82.9% (stronger) | 88.0% |
| Uninsured deposits | 33.0% | 9.1% (stronger) |
| Offices | 6 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Austin Telco Federal Credit Union has the higher TellerScore (78 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First Lockhart Bank leads on 4 and Austin Telco Federal Credit Union on 3. 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.