Side-by-side · Q2 2026 data
Security State Bank & Trust vs Randolph-Brooks Federal Credit Union
Metric by metric
| Measure | Security State Bank & Trust | Randolph-Brooks Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 76 (stronger) |
| Capital cushion | 76 | 84 (stronger) |
| Loan quality | 26 | 58 (stronger) |
| Earnings | 100 (stronger) | 79 |
| Funding & liquidity | 63 | 77 (stronger) |
| Problem-loan coverage | 73 | 87 (stronger) |
| Peer percentile | 40th | 81st |
| Total assets | $2.2B | $19.6B |
| Deposits / shares | $1.8B | $15.6B |
| Capital ratio | 12.58% | 13.42% (stronger) |
| Problem loans | 2.22% | 1.27% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.76% |
| Return on assets | 2.07% (stronger) | 1.47% |
| Loans ÷ deposits | 85.4% | 82.4% (stronger) |
| Uninsured deposits | 25.7% | 15.8% (stronger) |
| Offices | 18 | 34 |
| CFPB complaints (3 yrs) | — | 523 |
| Complaints per $1B deposits | — | 33.6 |
| Mortgage denial rate (HMDA) | 5.7% | 14.3% |
Randolph-Brooks Federal Credit Union has the higher TellerScore (76 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Security State Bank & Trust leads on 2 and Randolph-Brooks 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.
Where both have branches
- New Braunfels, TX
- Boerne, TX
- Bulverde, TX
- Kerrville, TX