Side-by-side · Q2 2026 data
First National Bank of Central Texas vs Centex Citizens Credit Union
Metric by metric
| Measure | First National Bank of Central Texas | Centex Citizens Credit Union |
|---|---|---|
| TellerScore | 81 | 89 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 97 (stronger) | 85 |
| Earnings | 100 (stronger) | 69 |
| Funding & liquidity | 65 | 95 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 91st | 94th |
| Total assets | $1.8B | $118.9M |
| Deposits / shares | $1.6B | $97.7M |
| Capital ratio | 10.83% | 17.16% (stronger) |
| Problem loans | 0.10% (stronger) | 0.44% |
| Net charge-offs | 0.02% (stronger) | 0.11% |
| Return on assets | 2.55% (stronger) | 1.23% |
| Loans ÷ deposits | 87.8% | 65.7% (stronger) |
| Uninsured deposits | 21.1% | 5.6% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Centex Citizens Credit Union has the higher TellerScore (89 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 Centex Citizens 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.