Side-by-side · Q2 2026 data
Round Top State Bank vs Rockdale Federal Credit Union
Metric by metric
| Measure | Round Top State Bank | Rockdale Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 85 (stronger) |
| Capital cushion | 69 (stronger) | 67 |
| Loan quality | 88 | 97 (stronger) |
| Earnings | 71 | 77 (stronger) |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 77th | 87th |
| Total assets | $974.1M | $108.2M |
| Deposits / shares | $870.3M | $96.9M |
| Capital ratio | 11.94% (stronger) | 11.65% |
| Problem loans | 0.36% | 0.08% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.26% | 1.42% (stronger) |
| Loans ÷ deposits | 68.3% | 56.5% (stronger) |
| Uninsured deposits | 19.6% | 4.1% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.1% | — |
Rockdale Federal Credit Union has the higher TellerScore (85 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Round Top State Bank leads on 2 and Rockdale 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.