Side-by-side · Q2 2026 data
NewFirst National Bank vs Victoria City-County Employees Federal Credit Union
Credit union
Victoria City-County Employees Federal Credit Union
Victoria, Texas · Under $100 million in assets
Metric by metric
| Measure | NewFirst National Bank | Victoria City-County Employees Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 80 |
| Capital cushion | 75 | 97 (stronger) |
| Loan quality | 93 | 98 (stronger) |
| Earnings | 100 (stronger) | 9 |
| Funding & liquidity | 58 | 95 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 86th | 65th |
| Total assets | $934.9M | $7.0M |
| Deposits / shares | $810.9M | $5.9M |
| Capital ratio | 12.47% | 14.74% (stronger) |
| Problem loans | 0.21% | 0.06% (stronger) |
| Net charge-offs | 0.01% | -0.04% (stronger) |
| Return on assets | 3.27% (stronger) | -0.27% |
| Loans ÷ deposits | 84.6% | 65.0% (stronger) |
| Uninsured deposits | 31.0% | 0.5% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
NewFirst National Bank has the higher TellerScore (84 vs 80). On the 7 directional measures above (where higher or lower is clearly better), NewFirst National Bank leads on 2 and Victoria City-County Employees Federal 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.