Side-by-side · Q2 2026 data
First National Bank of Central Texas vs Acadiana Medical Federal Credit Union
Credit union
Acadiana Medical Federal Credit Union
Lafayette, Louisiana · Under $100 million in assets
Metric by metric
| Measure | First National Bank of Central Texas | Acadiana Medical Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 92 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 100 (stronger) | 62 |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 91st | 92nd |
| Total assets | $1.8B | $13.5M |
| Deposits / shares | $1.6B | $10.0M |
| Capital ratio | 10.83% | 25.47% (stronger) |
| Problem loans | 0.10% | 0.00% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.42% |
| Return on assets | 2.55% (stronger) | 1.06% |
| Loans ÷ deposits | 87.8% | 60.1% (stronger) |
| Uninsured deposits | 21.1% | 0.0% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Acadiana Medical Federal Credit Union has the higher TellerScore (92 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Central Texas leads on 2 and Acadiana Medical 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.