Side-by-side · Q2 2026 data
First State Bank of Odem vs Nspire Federal Credit Union
Metric by metric
| Measure | First State Bank of Odem | Nspire Federal Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 66 |
| Capital cushion | 94 (stronger) | 85 |
| Loan quality | 100 (stronger) | 78 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 79 | 79 |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 99th | 32nd |
| Total assets | $212.6M | $29.0M |
| Deposits / shares | $181.0M | $24.9M |
| Capital ratio | 14.39% (stronger) | 13.49% |
| Problem loans | 0.00% (stronger) | 0.65% |
| Net charge-offs | -0.72% (stronger) | 1.30% |
| Return on assets | 2.40% (stronger) | -0.66% |
| Loans ÷ deposits | 57.0% (stronger) | 81.4% |
| Uninsured deposits | 34.2% | 2.1% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Odem has the higher TellerScore (95 vs 66). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Odem leads on 6 and Nspire Federal Credit Union on 1. 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.
Where both have branches
- Sinton, TX