Side-by-side · Q2 2026 data
First State Bank vs Wichita Falls Teachers Federal Credit Union
Credit union
Wichita Falls Teachers Federal Credit Union
Wichita Falls, Texas · $100 million – $1 billion
Metric by metric
| Measure | First State Bank | Wichita Falls Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 82 (stronger) |
| Capital cushion | 51 | 74 (stronger) |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 81 (stronger) | 60 |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 80th | 82nd |
| Total assets | $308.8M | $115.6M |
| Deposits / shares | $275.9M | $102.3M |
| Capital ratio | 10.08% | 12.42% (stronger) |
| Problem loans | 0.00% (stronger) | 0.31% |
| Net charge-offs | 0.00% (stronger) | 0.54% |
| Return on assets | 1.52% (stronger) | 0.99% |
| Loans ÷ deposits | 60.5% | 55.2% (stronger) |
| Uninsured deposits | 17.9% | 6.7% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Wichita Falls Teachers Federal Credit Union has the higher TellerScore (82 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 3 and Wichita Falls Teachers Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.