Side-by-side · Q2 2026 data
Prosperity Bank vs Refugio County Federal Credit Union
Credit union
Refugio County Federal Credit Union
Refugio, Texas · Under $100 million in assets
Metric by metric
| Measure | Prosperity Bank | Refugio County Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 87 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 84 | 86 (stronger) |
| Earnings | 75 (stronger) | 53 |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 76th | 83rd |
| Total assets | $43.9B | $14.2M |
| Deposits / shares | $32.9B | $11.9M |
| Capital ratio | 10.64% | 16.36% (stronger) |
| Problem loans | 0.48% | 0.42% (stronger) |
| Net charge-offs | 0.35% | 0.00% (stronger) |
| Return on assets | 1.37% (stronger) | 0.81% |
| Loans ÷ deposits | 74.8% | 41.0% (stronger) |
| Uninsured deposits | 42.7% | 0.0% (stronger) |
| Offices | 373 | 1 |
| CFPB complaints (3 yrs) | 117 | — |
| Complaints per $1B deposits | 3.6 | — |
| Mortgage denial rate (HMDA) | 31.5% | — |
Refugio County Federal Credit Union has the higher TellerScore (87 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Prosperity Bank leads on 1 and Refugio County 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.