Side-by-side · Q2 2026 data
NewFirst National Bank vs Victoria Teachers Federal Credit Union
Credit union
Victoria Teachers Federal Credit Union
Victoria, Texas · Under $100 million in assets
Metric by metric
| Measure | NewFirst National Bank | Victoria Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 88 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 93 | 97 (stronger) |
| Earnings | 100 (stronger) | 43 |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 86th | 85th |
| Total assets | $934.9M | $18.0M |
| Deposits / shares | $810.9M | $12.0M |
| Capital ratio | 12.47% | 33.05% (stronger) |
| Problem loans | 0.21% | 0.08% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.44% |
| Return on assets | 3.27% (stronger) | 0.58% |
| Loans ÷ deposits | 84.6% | 48.9% (stronger) |
| Uninsured deposits | 31.0% | 0.3% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Victoria Teachers Federal Credit Union has the higher TellerScore (88 vs 84). On the 7 directional measures above (where higher or lower is clearly better), NewFirst National Bank leads on 2 and Victoria Teachers 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.