Side-by-side · Q2 2026 data
First Texas Bank vs Greater Central Texas Federal Credit Union
Credit union
Greater Central Texas Federal Credit Union
Killeen, Texas · Under $100 million in assets
Metric by metric
| Measure | First Texas Bank | Greater Central Texas Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 80 |
| Capital cushion | 62 | 63 (stronger) |
| Loan quality | 81 | 100 (stronger) |
| Earnings | 94 (stronger) | 53 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 90th | 65th |
| Total assets | $1.3B | $34.2M |
| Deposits / shares | $1.2B | $30.2M |
| Capital ratio | 11.25% | 11.30% (stronger) |
| Problem loans | 0.58% | 0.00% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.16% |
| Return on assets | 1.85% (stronger) | 0.83% |
| Loans ÷ deposits | 49.2% | 26.4% (stronger) |
| Uninsured deposits | 26.6% | 3.8% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.9% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Texas Bank leads on 2 and Greater Central Texas Federal Credit Union on 4. 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.