Side-by-side · Q2 2026 data
Round Top State Bank vs Greater Central Texas Federal Credit Union
Credit union
Greater Central Texas Federal Credit Union
Killeen, Texas · Under $100 million in assets
Metric by metric
| Measure | Round Top State Bank | Greater Central Texas Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 80 |
| Capital cushion | 69 (stronger) | 63 |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 71 (stronger) | 53 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 77th | 65th |
| Total assets | $974.1M | $34.2M |
| Deposits / shares | $870.3M | $30.2M |
| Capital ratio | 11.94% (stronger) | 11.30% |
| Problem loans | 0.36% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.16% |
| Return on assets | 1.26% (stronger) | 0.83% |
| Loans ÷ deposits | 68.3% | 26.4% (stronger) |
| Uninsured deposits | 19.6% | 3.8% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.1% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Round Top State Bank leads on 3 and Greater Central Texas Federal Credit Union on 3. 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.