Side-by-side · Q2 2026 data
National Bank & Trust vs Lcra Credit Union
Metric by metric
| Measure | National Bank & Trust | Lcra Credit Union |
|---|---|---|
| TellerScore | 72 | 83 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 94 (stronger) | 86 |
| Earnings | 37 (stronger) | 34 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 50th | 72nd |
| Total assets | $242.0M | $20.2M |
| Deposits / shares | $203.5M | $17.0M |
| Capital ratio | 10.83% | 15.96% (stronger) |
| Problem loans | 0.17% (stronger) | 0.41% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.43% (stronger) | 0.34% |
| Loans ÷ deposits | 65.2% | 40.4% (stronger) |
| Uninsured deposits | 19.8% | 3.9% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lcra Credit Union has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), National Bank & Trust leads on 2 and Lcra 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.
Where both have branches
- La Grange, TX