Side-by-side · Q2 2026 data
First National Bank in Port Lavaca vs Victoria Teachers Federal Credit Union
Credit union
Victoria Teachers Federal Credit Union
Victoria, Texas · Under $100 million in assets
Metric by metric
| Measure | First National Bank in Port Lavaca | Victoria Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 88 (stronger) |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 20 | 97 (stronger) |
| Earnings | 36 | 43 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 76 | 100 (stronger) |
| Peer percentile | 10th | 85th |
| Total assets | $361.3M | $18.0M |
| Deposits / shares | $294.3M | $12.0M |
| Capital ratio | 13.00% | 33.05% (stronger) |
| Problem loans | 2.39% | 0.08% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.44% |
| Return on assets | 0.40% | 0.58% (stronger) |
| Loans ÷ deposits | 68.0% | 48.9% (stronger) |
| Uninsured deposits | 35.0% | 0.3% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Victoria Teachers Federal Credit Union has the higher TellerScore (88 vs 54). On the 7 directional measures above (where higher or lower is clearly better), First National Bank in Port Lavaca leads on 1 and Victoria Teachers Federal Credit Union on 6. 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.