Side-by-side · Q2 2026 data
Lone Star National Bank vs Edinburg Teachers Credit Union
Metric by metric
| Measure | Lone Star National Bank | Edinburg Teachers Credit Union |
|---|---|---|
| TellerScore | 72 | 85 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 65 | 96 (stronger) |
| Earnings | 78 (stronger) | 29 |
| Funding & liquidity | 51 | 100 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 66th | 77th |
| Total assets | $3.3B | $98.0M |
| Deposits / shares | $2.9B | $80.7M |
| Capital ratio | 12.87% | 22.59% (stronger) |
| Problem loans | 1.06% | 0.12% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.13% |
| Return on assets | 1.44% (stronger) | 0.23% |
| Loans ÷ deposits | 60.7% | 25.6% (stronger) |
| Uninsured deposits | 58.8% | 3.2% (stronger) |
| Offices | 36 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.3% | — |
Edinburg Teachers Credit Union has the higher TellerScore (85 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Lone Star National Bank leads on 2 and Edinburg Teachers Credit Union on 5. 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.