Side-by-side · Q2 2026 data
First National Bank of Central Texas vs Brazos Star Credit Union
Credit union
Brazos Star Credit Union
College Station, Texas · Under $100 million in assets
Metric by metric
| Measure | First National Bank of Central Texas | Brazos Star Credit Union |
|---|---|---|
| TellerScore | 81 | 88 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 97 (stronger) | 87 |
| Earnings | 100 (stronger) | 59 |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 91st | 85th |
| Total assets | $1.8B | $35.5M |
| Deposits / shares | $1.6B | $30.0M |
| Capital ratio | 10.83% | 15.07% (stronger) |
| Problem loans | 0.10% (stronger) | 0.40% |
| Net charge-offs | 0.02% (stronger) | 0.32% |
| Return on assets | 2.55% (stronger) | 0.97% |
| Loans ÷ deposits | 87.8% | 51.1% (stronger) |
| Uninsured deposits | 21.1% | 7.8% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Brazos Star Credit Union has the higher TellerScore (88 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Central Texas leads on 3 and Brazos Star Credit Union on 4. 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.