Side-by-side · Q2 2026 data
First National Bank of Bosque County vs Educators Credit Union
Metric by metric
| Measure | First National Bank of Bosque County | Educators Credit Union |
|---|---|---|
| TellerScore | 82 | 99 (stronger) |
| Capital cushion | 78 | 100 (stronger) |
| Loan quality | 76 | 94 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 82nd | 100th |
| Total assets | $182.3M | $609.5M |
| Deposits / shares | $158.3M | $484.8M |
| Capital ratio | 12.79% | 20.32% (stronger) |
| Problem loans | 0.72% | 0.17% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.03% |
| Return on assets | 2.12% | 2.30% (stronger) |
| Loans ÷ deposits | 85.3% | 28.4% (stronger) |
| Uninsured deposits | 19.5% | 7.9% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Educators Credit Union has the higher TellerScore (99 vs 82). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Bosque County leads on 1 and Educators Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.