Side-by-side · Q2 2026 data
First State Bank of Odem vs Refugio County Federal Credit Union
Credit union
Refugio County Federal Credit Union
Refugio, Texas · Under $100 million in assets
Metric by metric
| Measure | First State Bank of Odem | Refugio County Federal Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 87 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 100 (stronger) | 53 |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 99th | 83rd |
| Total assets | $212.6M | $14.2M |
| Deposits / shares | $181.0M | $11.9M |
| Capital ratio | 14.39% | 16.36% (stronger) |
| Problem loans | 0.00% (stronger) | 0.42% |
| Net charge-offs | -0.72% (stronger) | 0.00% |
| Return on assets | 2.40% (stronger) | 0.81% |
| Loans ÷ deposits | 57.0% | 41.0% (stronger) |
| Uninsured deposits | 34.2% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Odem has the higher TellerScore (95 vs 87). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Odem leads on 4 and Refugio County Federal 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.