Side-by-side · Q2 2026 data
First State Bank of Texas vs Port Arthur Teachers Federal Credit Union
Credit union
Port Arthur Teachers Federal Credit Union
Port Arthur, Texas · Under $100 million in assets
Metric by metric
| Measure | First State Bank of Texas | Port Arthur Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 39 | 94 (stronger) |
| Capital cushion | 42 | 99 (stronger) |
| Loan quality | 5 | 88 (stronger) |
| Earnings | 43 | 89 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 61 | 98 (stronger) |
| Peer percentile | 2nd | 95th |
| Total assets | $353.6M | $38.0M |
| Deposits / shares | $316.3M | $31.5M |
| Capital ratio | 9.20% | 14.92% (stronger) |
| Problem loans | 2.85% | 0.35% (stronger) |
| Net charge-offs | 1.50% (stronger) | 3.15% |
| Return on assets | 0.57% | 1.72% (stronger) |
| Loans ÷ deposits | 81.1% | 30.1% (stronger) |
| Uninsured deposits | 26.0% | 2.6% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Port Arthur Teachers Federal Credit Union has the higher TellerScore (94 vs 39). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Texas leads on 1 and Port Arthur Teachers Federal Credit Union on 6. 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.