Side-by-side · Q2 2026 data
First State Bank vs Midwestern State University Credit Union
Credit union
Midwestern State University Credit Union
Wichita Falls, Texas · Under $100 million in assets
Metric by metric
| Measure | First State Bank | Midwestern State University Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 76 |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 81 (stronger) | 0 |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 80th | 54th |
| Total assets | $308.8M | $4.3M |
| Deposits / shares | $275.9M | $3.6M |
| Capital ratio | 10.08% | 16.26% (stronger) |
| Problem loans | 0.00% (stronger) | 0.47% |
| Net charge-offs | 0.00% (stronger) | 0.41% |
| Return on assets | 1.52% (stronger) | -0.78% |
| Loans ÷ deposits | 60.5% | 60.2% (stronger) |
| Uninsured deposits | 17.9% | 0.0% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and Midwestern State University Credit Union on 3. 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.