Side-by-side · Q2 2026 data
Lone Star National Bank vs Highway District 21 Federal Credit Union
Credit union
Highway District 21 Federal Credit Union
McAllen, Texas · Under $100 million in assets
Metric by metric
| Measure | Lone Star National Bank | Highway District 21 Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 95 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 65 | 92 (stronger) |
| Earnings | 78 | 86 (stronger) |
| Funding & liquidity | 51 | 100 (stronger) |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 66th | 96th |
| Total assets | $3.3B | $51.6M |
| Deposits / shares | $2.9B | $39.4M |
| Capital ratio | 12.87% | 23.08% (stronger) |
| Problem loans | 1.06% | 0.23% (stronger) |
| Net charge-offs | 0.02% | 0.02% (stronger) |
| Return on assets | 1.44% | 1.66% (stronger) |
| Loans ÷ deposits | 60.7% | 53.1% (stronger) |
| Uninsured deposits | 58.8% | 12.3% (stronger) |
| Offices | 36 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.3% | — |
Highway District 21 Federal Credit Union has the higher TellerScore (95 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Lone Star National Bank leads on 0 and Highway District 21 Federal Credit Union on 7. 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.