Side-by-side · Q2 2026 data
First National Bank of Central Texas vs Educators Credit Union
Metric by metric
| Measure | First National Bank of Central Texas | Educators Credit Union |
|---|---|---|
| TellerScore | 81 | 99 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 97 (stronger) | 94 |
| Earnings | 100 | 100 |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 91st | 100th |
| Total assets | $1.8B | $609.5M |
| Deposits / shares | $1.6B | $484.8M |
| Capital ratio | 10.83% | 20.32% (stronger) |
| Problem loans | 0.10% (stronger) | 0.17% |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 2.55% (stronger) | 2.30% |
| Loans ÷ deposits | 87.8% | 28.4% (stronger) |
| Uninsured deposits | 21.1% | 7.9% (stronger) |
| Offices | 8 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Educators Credit Union has the higher TellerScore (99 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 Educators Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Waco, TX
- Gatesville, TX