Side-by-side · Q2 2026 data
First National Bank of Giddings vs Lcra Credit Union
Metric by metric
| Measure | First National Bank of Giddings | Lcra Credit Union |
|---|---|---|
| TellerScore | 57 | 83 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 31 | 86 (stronger) |
| Earnings | 73 (stronger) | 34 |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 72 | 94 (stronger) |
| Peer percentile | 14th | 72nd |
| Total assets | $356.2M | $20.2M |
| Deposits / shares | $315.1M | $17.0M |
| Capital ratio | 11.18% | 15.96% (stronger) |
| Problem loans | 2.07% | 0.41% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.32% (stronger) | 0.34% |
| Loans ÷ deposits | 79.9% | 40.4% (stronger) |
| Uninsured deposits | 35.3% | 3.9% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lcra Credit Union has the higher TellerScore (83 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Giddings leads on 1 and Lcra Credit Union on 6. 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.