Side-by-side · Q2 2026 data
SouthStar Bank, S.S.B. vs Greater Central Texas Federal Credit Union
Credit union
Greater Central Texas Federal Credit Union
Killeen, Texas · Under $100 million in assets
Metric by metric
| Measure | SouthStar Bank, S.S.B. | Greater Central Texas Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 80 (stronger) |
| Capital cushion | 83 (stronger) | 63 |
| Loan quality | 79 | 100 (stronger) |
| Earnings | 82 (stronger) | 53 |
| Funding & liquidity | 47 | 100 (stronger) |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 83rd | 65th |
| Total assets | $1.4B | $34.2M |
| Deposits / shares | $1.1B | $30.2M |
| Capital ratio | 13.28% (stronger) | 11.30% |
| Problem loans | 0.62% | 0.00% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.16% |
| Return on assets | 1.55% (stronger) | 0.83% |
| Loans ÷ deposits | 91.9% | 26.4% (stronger) |
| Uninsured deposits | 34.2% | 3.8% (stronger) |
| Offices | 16 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.5% | — |
Greater Central Texas Federal Credit Union has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), SouthStar Bank, S.S.B. leads on 3 and Greater Central Texas Federal Credit Union on 4. 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.