Side-by-side · Q2 2026 data
First State Bank of Texas vs Common Cents Federal Credit Union
Credit union
Common Cents Federal Credit Union
Beaumont, Texas · Under $100 million in assets
Metric by metric
| Measure | First State Bank of Texas | Common Cents Federal Credit Union |
|---|---|---|
| TellerScore | 39 | 87 (stronger) |
| Capital cushion | 42 | 71 (stronger) |
| Loan quality | 5 | 90 (stronger) |
| Earnings | 43 | 100 (stronger) |
| Funding & liquidity | 67 | 87 (stronger) |
| Problem-loan coverage | 61 | 97 (stronger) |
| Peer percentile | 2nd | 83rd |
| Total assets | $353.6M | $34.2M |
| Deposits / shares | $316.3M | $30.0M |
| Capital ratio | 9.20% | 12.13% (stronger) |
| Problem loans | 2.85% | 0.30% (stronger) |
| Net charge-offs | 1.50% | 0.66% (stronger) |
| Return on assets | 0.57% | 2.37% (stronger) |
| Loans ÷ deposits | 81.1% | 73.0% (stronger) |
| Uninsured deposits | 26.0% | 1.9% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Common Cents Federal Credit Union has the higher TellerScore (87 vs 39). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Texas leads on 0 and Common Cents Federal Credit Union on 7. 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.