Side-by-side · Q2 2026 data
Prosperity Bank vs Texasgulf Federal Credit Union
Metric by metric
| Measure | Prosperity Bank | Texasgulf Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 81 (stronger) |
| Capital cushion | 56 | 93 (stronger) |
| Loan quality | 84 (stronger) | 80 |
| Earnings | 75 (stronger) | 54 |
| Funding & liquidity | 54 | 88 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 76th | 80th |
| Total assets | $43.9B | $220.5M |
| Deposits / shares | $32.9B | $189.3M |
| Capital ratio | 10.64% | 14.27% (stronger) |
| Problem loans | 0.48% (stronger) | 0.61% |
| Net charge-offs | 0.35% | 0.20% (stronger) |
| Return on assets | 1.37% (stronger) | 0.85% |
| Loans ÷ deposits | 74.8% | 71.9% (stronger) |
| Uninsured deposits | 42.7% | 2.7% (stronger) |
| Offices | 373 | 2 |
| CFPB complaints (3 yrs) | 117 | — |
| Complaints per $1B deposits | 3.6 | — |
| Mortgage denial rate (HMDA) | 31.5% | — |
Texasgulf Federal Credit Union has the higher TellerScore (81 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Prosperity Bank leads on 2 and Texasgulf 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.
Where both have branches
- Wharton, TX
- El Campo, TX