Side-by-side · Q2 2026 data
State National Bank vs Lefors Federal Credit Union
Metric by metric
| Measure | State National Bank | Lefors Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 75 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 88 (stronger) | 63 |
| Earnings | 53 (stronger) | 33 |
| Funding & liquidity | 54 | 88 (stronger) |
| Problem-loan coverage | 86 | 95 (stronger) |
| Peer percentile | 45th | 52nd |
| Total assets | $55.1M | $3.0M |
| Deposits / shares | $47.7M | $2.3M |
| Capital ratio | 12.60% | 23.17% (stronger) |
| Problem loans | 0.35% (stronger) | 1.12% |
| Net charge-offs | -0.07% (stronger) | 0.11% |
| Return on assets | 0.83% (stronger) | 0.33% |
| Loans ÷ deposits | 90.3% | 71.8% (stronger) |
| Uninsured deposits | 29.3% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lefors Federal Credit Union has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), State National Bank leads on 3 and Lefors 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.