Side-by-side · Q2 2026 data
First National Bank of South Padre Island vs Valley Federal Credit Union
Bank
First National Bank of South Padre Island
South Padre Island, Texas · Under $100 million in assets
Metric by metric
| Measure | First National Bank of South Padre Island | Valley Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 73 |
| Capital cushion | 91 (stronger) | 76 |
| Loan quality | 59 | 85 (stronger) |
| Earnings | 100 (stronger) | 32 |
| Funding & liquidity | 88 | 90 (stronger) |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 76th | 60th |
| Total assets | $78.2M | $119.1M |
| Deposits / shares | $67.1M | $102.9M |
| Capital ratio | 14.13% (stronger) | 12.61% |
| Problem loans | 1.24% | 0.46% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.66% |
| Return on assets | 2.27% (stronger) | 0.29% |
| Loans ÷ deposits | 57.2% (stronger) | 70.5% |
| Uninsured deposits | 26.2% | 2.9% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of South Padre Island has the higher TellerScore (84 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of South Padre Island leads on 5 and Valley Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.