Side-by-side · Q2 2026 data
Independent Bank vs L G & W Federal Credit Union
Metric by metric
| Measure | Independent Bank | L G & W Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 92 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 72 | 89 (stronger) |
| Earnings | 70 | 72 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 86 | 99 (stronger) |
| Peer percentile | 44th | 97th |
| Total assets | $1.9B | $115.1M |
| Deposits / shares | $1.6B | $91.0M |
| Capital ratio | 10.60% | 21.71% (stronger) |
| Problem loans | 0.85% | 0.32% (stronger) |
| Net charge-offs | 0.36% (stronger) | 0.71% |
| Return on assets | 1.26% | 1.30% (stronger) |
| Loans ÷ deposits | 81.4% | 34.9% (stronger) |
| Uninsured deposits | 25.4% | 7.2% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
L G & W Federal Credit Union has the higher TellerScore (92 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Independent Bank leads on 1 and L G & W 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.