Side-by-side · Q2 2026 data
First State Bank of Texas vs Neches Federal Credit Union
Metric by metric
| Measure | First State Bank of Texas | Neches Federal Credit Union |
|---|---|---|
| TellerScore | 39 | 93 (stronger) |
| Capital cushion | 42 | 97 (stronger) |
| Loan quality | 5 | 93 (stronger) |
| Earnings | 43 | 100 (stronger) |
| Funding & liquidity | 67 | 72 (stronger) |
| Problem-loan coverage | 61 | 97 (stronger) |
| Peer percentile | 2nd | 99th |
| Total assets | $353.6M | $1.2B |
| Deposits / shares | $316.3M | $1.0B |
| Capital ratio | 9.20% | 14.66% (stronger) |
| Problem loans | 2.85% | 0.20% (stronger) |
| Net charge-offs | 1.50% | 0.47% (stronger) |
| Return on assets | 0.57% | 2.14% (stronger) |
| Loans ÷ deposits | 81.1% (stronger) | 88.0% |
| Uninsured deposits | 26.0% | 10.7% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.2% |
Neches Federal Credit Union has the higher TellerScore (93 vs 39). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Texas leads on 1 and Neches Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.