Side-by-side · Q2 2026 data
Sage Capital Bank, vs Randolph-Brooks Federal Credit Union
Metric by metric
| Measure | Sage Capital Bank, | Randolph-Brooks Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 54 | 84 (stronger) |
| Loan quality | 100 (stronger) | 58 |
| Earnings | 75 | 79 (stronger) |
| Funding & liquidity | 66 | 77 (stronger) |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 64th | 81st |
| Total assets | $768.9M | $19.6B |
| Deposits / shares | $683.3M | $15.6B |
| Capital ratio | 10.38% | 13.42% (stronger) |
| Problem loans | 0.01% (stronger) | 1.27% |
| Net charge-offs | -0.00% (stronger) | 0.76% |
| Return on assets | 1.38% | 1.47% (stronger) |
| Loans ÷ deposits | 72.5% (stronger) | 82.4% |
| Uninsured deposits | 34.2% | 15.8% (stronger) |
| Offices | 7 | 34 |
| CFPB complaints (3 yrs) | — | 523 |
| Complaints per $1B deposits | — | 33.6 |
| Mortgage denial rate (HMDA) | 0.0% | 14.3% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Sage Capital Bank, leads on 3 and Randolph-Brooks 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.
Where both have branches
- New Braunfels, TX
- Gonzales, TX
- Lockhart, TX