Side-by-side · Q2 2026 data
First Lockhart Bank vs Lcra Credit Union
Metric by metric
| Measure | First Lockhart Bank | Lcra Credit Union |
|---|---|---|
| TellerScore | 63 | 83 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 90 (stronger) | 86 |
| Earnings | 48 (stronger) | 34 |
| Funding & liquidity | 57 | 100 (stronger) |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 24th | 72nd |
| Total assets | $415.9M | $20.2M |
| Deposits / shares | $375.0M | $17.0M |
| Capital ratio | 9.34% | 15.96% (stronger) |
| Problem loans | 0.29% (stronger) | 0.41% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 0.70% (stronger) | 0.34% |
| Loans ÷ deposits | 82.9% | 40.4% (stronger) |
| Uninsured deposits | 33.0% | 3.9% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Lcra Credit Union has the higher TellerScore (83 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First Lockhart Bank leads on 2 and Lcra 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.