Side-by-side · Q2 2026 data
First State Bank vs San Angelo Federal Credit Union
Metric by metric
| Measure | First State Bank | San Angelo Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 84 (stronger) |
| Capital cushion | 91 (stronger) | 79 |
| Loan quality | 37 | 76 (stronger) |
| Earnings | 100 (stronger) | 84 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 90 | 93 (stronger) |
| Peer percentile | 72nd | 75th |
| Total assets | $174.3M | $40.6M |
| Deposits / shares | $148.1M | $35.1M |
| Capital ratio | 14.14% (stronger) | 12.88% |
| Problem loans | 1.90% | 0.73% (stronger) |
| Net charge-offs | 1.04% | 0.25% (stronger) |
| Return on assets | 2.06% (stronger) | 1.59% |
| Loans ÷ deposits | 38.8% (stronger) | 57.4% |
| Uninsured deposits | 28.8% | 0.7% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
San Angelo Federal Credit Union has the higher TellerScore (84 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and San Angelo Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.