Side-by-side · Q2 2026 data
Kleberg Bank, N.A. vs Texas Community Federal Credit Union
Credit union
Texas Community Federal Credit Union
Kingsville, Texas · Under $100 million in assets
Metric by metric
| Measure | Kleberg Bank, N.A. | Texas Community Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 79 (stronger) |
| Capital cushion | 45 | 97 (stronger) |
| Loan quality | 97 (stronger) | 57 |
| Earnings | 68 | 82 (stronger) |
| Funding & liquidity | 57 | 72 (stronger) |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 43rd | 62nd |
| Total assets | $736.8M | $30.1M |
| Deposits / shares | $655.5M | $25.4M |
| Capital ratio | 9.45% | 14.65% (stronger) |
| Problem loans | 0.10% (stronger) | 1.29% |
| Net charge-offs | 0.06% (stronger) | 0.90% |
| Return on assets | 1.20% | 1.55% (stronger) |
| Loans ÷ deposits | 77.2% (stronger) | 87.9% |
| Uninsured deposits | 38.7% | 12.9% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Texas Community Federal Credit Union has the higher TellerScore (79 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Kleberg Bank, N.A. leads on 3 and Texas Community 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.