Side-by-side · Q2 2026 data
Texas First Bank vs Galveston Government Employees Credit Union
Credit union
Galveston Government Employees Credit Union
Dickinson, Texas · Under $100 million in assets
Metric by metric
| Measure | Texas First Bank | Galveston Government Employees Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 32 |
| Capital cushion | 50 (stronger) | 43 |
| Loan quality | 94 (stronger) | 0 |
| Earnings | 87 (stronger) | 0 |
| Funding & liquidity | 59 | 85 (stronger) |
| Problem-loan coverage | 98 (stronger) | 60 |
| Peer percentile | 77th | 1st |
| Total assets | $2.3B | $6.8M |
| Deposits / shares | $2.1B | $6.2M |
| Capital ratio | 9.96% (stronger) | 9.27% |
| Problem loans | 0.17% (stronger) | 3.07% |
| Net charge-offs | 0.01% (stronger) | 0.45% |
| Return on assets | 1.68% (stronger) | -2.81% |
| Loans ÷ deposits | 64.3% (stronger) | 75.2% |
| Uninsured deposits | 48.4% | 9.8% (stronger) |
| Offices | 26 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.3% | — |
Texas First Bank has the higher TellerScore (75 vs 32). On the 7 directional measures above (where higher or lower is clearly better), Texas First Bank leads on 6 and Galveston Government Employees Credit Union on 1. 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.