Side-by-side · Q2 2026 data
First State Bank of Burnet vs Austin Telco Federal Credit Union
Metric by metric
| Measure | First State Bank of Burnet | Austin Telco Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 78 |
| Capital cushion | 75 | 90 (stronger) |
| Loan quality | 96 (stronger) | 88 |
| Earnings | 85 (stronger) | 44 |
| Funding & liquidity | 85 (stronger) | 72 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 90th | 84th |
| Total assets | $325.8M | $2.5B |
| Deposits / shares | $289.0M | $2.1B |
| Capital ratio | 12.53% | 14.04% (stronger) |
| Problem loans | 0.13% (stronger) | 0.35% |
| Net charge-offs | 0.02% (stronger) | 0.26% |
| Return on assets | 1.61% (stronger) | 0.60% |
| Loans ÷ deposits | 61.7% (stronger) | 88.0% |
| Uninsured deposits | 27.1% | 9.1% (stronger) |
| Offices | 3 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Burnet has the higher TellerScore (86 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Burnet leads on 5 and Austin Telco Federal Credit Union on 2. 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.