Side-by-side · Q2 2026 data
First National Bank of Central Texas vs Thd District 17 Credit Union
Metric by metric
| Measure | First National Bank of Central Texas | Thd District 17 Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 63 |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 97 (stronger) | 19 |
| Earnings | 100 (stronger) | 20 |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 91st | 26th |
| Total assets | $1.8B | $4.3M |
| Deposits / shares | $1.6B | $3.4M |
| Capital ratio | 10.83% | 19.61% (stronger) |
| Problem loans | 0.10% (stronger) | 2.42% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 2.55% (stronger) | -0.01% |
| Loans ÷ deposits | 87.8% | 46.0% (stronger) |
| Uninsured deposits | 21.1% | 0.0% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of Central Texas has the higher TellerScore (81 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Central Texas leads on 3 and Thd District 17 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.