Side-by-side · Q2 2026 data
Safe 1 Credit Union vs Lone Star Credit Union
Metric by metric
| Measure | Safe 1 Credit Union | Lone Star Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 39 |
| Loan quality | 88 | 92 (stronger) |
| Earnings | 90 (stronger) | 39 |
| Funding & liquidity | 68 | 88 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 98th | 34th |
| Total assets | $1.2B | $188.3M |
| Deposits / shares | $963.8M | $169.8M |
| Capital ratio | 16.03% (stronger) | 8.93% |
| Problem loans | 0.37% | 0.25% (stronger) |
| Net charge-offs | 0.40% (stronger) | 0.80% |
| Return on assets | 1.74% (stronger) | 0.49% |
| Loans ÷ deposits | 92.4% | 72.0% (stronger) |
| Uninsured deposits | 1.8% (stronger) | 7.9% |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.3% | — |
Safe 1 Credit Union has the higher TellerScore (90 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Safe 1 Credit Union leads on 5 and Lone Star Credit Union on 2. 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.