Side-by-side · Q2 2026 data
First Texas Bank vs Government Employees Federal Credit Union
Credit union
Government Employees Federal Credit Union
Austin, Texas · $100 million – $1 billion
Metric by metric
| Measure | First Texas Bank | Government Employees Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 72 |
| Capital cushion | 62 (stronger) | 57 |
| Loan quality | 81 (stronger) | 72 |
| Earnings | 94 (stronger) | 62 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 88 | 92 (stronger) |
| Peer percentile | 90th | 57th |
| Total assets | $1.3B | $189.4M |
| Deposits / shares | $1.2B | $169.5M |
| Capital ratio | 11.25% (stronger) | 10.73% |
| Problem loans | 0.58% (stronger) | 0.83% |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 1.85% (stronger) | 1.05% |
| Loans ÷ deposits | 49.2% (stronger) | 56.5% |
| Uninsured deposits | 26.6% | 5.3% (stronger) |
| Offices | 11 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.9% | — |
First Texas Bank has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Texas Bank leads on 6 and Government Employees 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.