Side-by-side · Q2 2026 data
Schertz Bank & Trust vs Randolph-Brooks Federal Credit Union
Metric by metric
| Measure | Schertz Bank & Trust | Randolph-Brooks Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 84 |
| Loan quality | 98 (stronger) | 58 |
| Earnings | 100 (stronger) | 79 |
| Funding & liquidity | 42 | 77 (stronger) |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 95th | 81st |
| Total assets | $770.1M | $19.6B |
| Deposits / shares | $651.4M | $15.6B |
| Capital ratio | 15.17% (stronger) | 13.42% |
| Problem loans | 0.05% (stronger) | 1.27% |
| Net charge-offs | -0.02% (stronger) | 0.76% |
| Return on assets | 2.02% (stronger) | 1.47% |
| Loans ÷ deposits | 93.2% | 82.4% (stronger) |
| Uninsured deposits | 38.0% | 15.8% (stronger) |
| Offices | 6 | 34 |
| CFPB complaints (3 yrs) | — | 523 |
| Complaints per $1B deposits | — | 33.6 |
| Mortgage denial rate (HMDA) | — | 14.3% |
Schertz Bank & Trust has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Schertz Bank & Trust leads on 5 and Randolph-Brooks Federal 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.