Side-by-side · Q2 2026 data
Lone Star National Bank vs Naft Federal Credit Union
Metric by metric
| Measure | Lone Star National Bank | Naft Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 93 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 65 | 83 (stronger) |
| Earnings | 78 | 89 (stronger) |
| Funding & liquidity | 51 | 100 (stronger) |
| Problem-loan coverage | 91 | 97 (stronger) |
| Peer percentile | 66th | 97th |
| Total assets | $3.3B | $162.3M |
| Deposits / shares | $2.9B | $135.7M |
| Capital ratio | 12.87% | 16.44% (stronger) |
| Problem loans | 1.06% | 0.50% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.24% |
| Return on assets | 1.44% | 1.73% (stronger) |
| Loans ÷ deposits | 60.7% | 51.3% (stronger) |
| Uninsured deposits | 58.8% | 1.3% (stronger) |
| Offices | 36 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.3% | — |
Naft Federal Credit Union has the higher TellerScore (93 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Lone Star National Bank leads on 1 and Naft 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.