Side-by-side · Q2 2026 data
Texas First Bank vs Lubrizol Employees' Credit Union
Credit union
Lubrizol Employees' Credit Union
Deer Park, Texas · Under $100 million in assets
Metric by metric
| Measure | Texas First Bank | Lubrizol Employees' Credit Union |
|---|---|---|
| TellerScore | 75 | 86 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 94 (stronger) | 85 |
| Earnings | 87 (stronger) | 52 |
| Funding & liquidity | 59 | 99 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 77th | 80th |
| Total assets | $2.3B | $51.2M |
| Deposits / shares | $2.1B | $41.3M |
| Capital ratio | 9.96% | 18.78% (stronger) |
| Problem loans | 0.17% (stronger) | 0.44% |
| Net charge-offs | 0.01% (stronger) | 0.42% |
| Return on assets | 1.68% (stronger) | 0.80% |
| Loans ÷ deposits | 64.3% | 61.2% (stronger) |
| Uninsured deposits | 48.4% | 10.8% (stronger) |
| Offices | 26 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.3% | — |
Lubrizol Employees' Credit Union has the higher TellerScore (86 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Texas First Bank leads on 3 and Lubrizol Employees' 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.