Side-by-side · Q2 2026 data
Incommons Bank, N.A. vs Centex Citizens Credit Union
Metric by metric
| Measure | Incommons Bank, N.A. | Centex Citizens Credit Union |
|---|---|---|
| TellerScore | 73 | 89 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 86 (stronger) | 85 |
| Earnings | 84 (stronger) | 69 |
| Funding & liquidity | 67 | 95 (stronger) |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 53rd | 94th |
| Total assets | $277.6M | $118.9M |
| Deposits / shares | $245.8M | $97.7M |
| Capital ratio | 10.20% | 17.16% (stronger) |
| Problem loans | 0.41% (stronger) | 0.44% |
| Net charge-offs | 0.04% (stronger) | 0.11% |
| Return on assets | 1.60% (stronger) | 1.23% |
| Loans ÷ deposits | 79.0% | 65.7% (stronger) |
| Uninsured deposits | 28.1% | 5.6% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.8% | — |
Centex Citizens Credit Union has the higher TellerScore (89 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Incommons Bank, N.A. leads on 3 and Centex Citizens Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Mexia, TX