Side-by-side · Q2 2026 data
First National Bank in Port Lavaca vs Victoria Federal Credit Union
Metric by metric
| Measure | First National Bank in Port Lavaca | Victoria Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 81 (stronger) |
| Capital cushion | 80 (stronger) | 78 |
| Loan quality | 20 | 99 (stronger) |
| Earnings | 36 | 43 (stronger) |
| Funding & liquidity | 70 | 98 (stronger) |
| Problem-loan coverage | 76 | 100 (stronger) |
| Peer percentile | 10th | 68th |
| Total assets | $361.3M | $9.4M |
| Deposits / shares | $294.3M | $8.3M |
| Capital ratio | 13.00% (stronger) | 12.77% |
| Problem loans | 2.39% | 0.04% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 0.40% | 0.56% (stronger) |
| Loans ÷ deposits | 68.0% | 62.7% (stronger) |
| Uninsured deposits | 35.0% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Victoria Federal Credit Union has the higher TellerScore (81 vs 54). On the 7 directional measures above (where higher or lower is clearly better), First National Bank in Port Lavaca leads on 2 and Victoria 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.