Side-by-side · Q2 2026 data
Texas Gulf Bank, National Association vs American Baptist Association Credit Union
Credit union
American Baptist Association Credit Union
Angleton, Texas · Under $100 million in assets
Metric by metric
| Measure | Texas Gulf Bank, National Association | American Baptist Association Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 60 |
| Capital cushion | 70 (stronger) | 34 |
| Loan quality | 100 | 100 |
| Earnings | 61 (stronger) | 0 |
| Funding & liquidity | 54 | 99 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 64th | 22nd |
| Total assets | $726.9M | $1.8M |
| Deposits / shares | $638.6M | $1.6M |
| Capital ratio | 11.98% (stronger) | 8.44% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.09% (stronger) | 0.29% |
| Return on assets | 1.03% (stronger) | -1.41% |
| Loans ÷ deposits | 78.6% | 61.1% (stronger) |
| Uninsured deposits | 39.8% | 0.0% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.2% | — |
Texas Gulf Bank, National Association has the higher TellerScore (76 vs 60). On the 6 directional measures above (where higher or lower is clearly better), Texas Gulf Bank, National Association leads on 4 and American Baptist Association 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.