Side-by-side · Q2 2026 data
First Texas Bank vs Educators Credit Union
Metric by metric
| Measure | First Texas Bank | Educators Credit Union |
|---|---|---|
| TellerScore | 81 | 99 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 96 | 100 (stronger) |
| Funding & liquidity | 75 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 80th | 100th |
| Total assets | $259.7M | $609.5M |
| Deposits / shares | $232.4M | $484.8M |
| Capital ratio | 10.14% | 20.32% (stronger) |
| Problem loans | 0.00% (stronger) | 0.17% |
| Net charge-offs | -0.09% (stronger) | 0.03% |
| Return on assets | 1.90% | 2.30% (stronger) |
| Loans ÷ deposits | 39.9% | 28.4% (stronger) |
| Uninsured deposits | 38.2% | 7.9% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | — |
Educators Credit Union has the higher TellerScore (99 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First Texas Bank leads on 2 and Educators Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.