Side-by-side · Q2 2026 data
SouthStar Bank, S.S.B. vs Randolph-Brooks Federal Credit Union
Metric by metric
| Measure | SouthStar Bank, S.S.B. | Randolph-Brooks Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 76 |
| Capital cushion | 83 | 84 (stronger) |
| Loan quality | 79 (stronger) | 58 |
| Earnings | 82 (stronger) | 79 |
| Funding & liquidity | 47 | 77 (stronger) |
| Problem-loan coverage | 87 | 87 |
| Peer percentile | 83rd | 81st |
| Total assets | $1.4B | $19.6B |
| Deposits / shares | $1.1B | $15.6B |
| Capital ratio | 13.28% | 13.42% (stronger) |
| Problem loans | 0.62% (stronger) | 1.27% |
| Net charge-offs | 0.07% (stronger) | 0.76% |
| Return on assets | 1.55% (stronger) | 1.47% |
| Loans ÷ deposits | 91.9% | 82.4% (stronger) |
| Uninsured deposits | 34.2% | 15.8% (stronger) |
| Offices | 16 | 34 |
| CFPB complaints (3 yrs) | — | 523 |
| Complaints per $1B deposits | — | 33.6 |
| Mortgage denial rate (HMDA) | 21.5% | 14.3% |
SouthStar Bank, S.S.B. has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), SouthStar Bank, S.S.B. leads on 4 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
- Austin, TX
- Gonzales, TX
- Kerrville, TX