Side-by-side · Q2 2026 data
Texas Community Bank vs South Texas Federal Credit Union
Credit union
South Texas Federal Credit Union
McALLEN, Texas · Under $100 million in assets
Metric by metric
| Measure | Texas Community Bank | South Texas Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 47 |
| Capital cushion | 78 (stronger) | 36 |
| Loan quality | 93 (stronger) | 21 |
| Earnings | 100 (stronger) | 36 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 95th | 7th |
| Total assets | $2.2B | $69.2M |
| Deposits / shares | $1.9B | $63.8M |
| Capital ratio | 12.78% (stronger) | 8.57% |
| Problem loans | 0.20% (stronger) | 2.38% |
| Net charge-offs | 0.05% (stronger) | 1.07% |
| Return on assets | 2.03% (stronger) | 0.40% |
| Loans ÷ deposits | 58.6% | 27.8% (stronger) |
| Uninsured deposits | 63.9% | 0.0% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | — |
Texas Community Bank has the higher TellerScore (84 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Texas Community Bank leads on 5 and South Texas 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.