Side-by-side · Q2 2026 data
Texas Gulf Bank, National Association vs Baycel Federal Credit Union
Metric by metric
| Measure | Texas Gulf Bank, National Association | Baycel Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 91 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 100 (stronger) | 66 |
| Earnings | 61 | 100 (stronger) |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 64th | 90th |
| Total assets | $726.9M | $92.2M |
| Deposits / shares | $638.6M | $71.9M |
| Capital ratio | 11.98% | 21.79% (stronger) |
| Problem loans | 0.00% (stronger) | 1.01% |
| Net charge-offs | 0.09% (stronger) | 0.31% |
| Return on assets | 1.03% | 2.50% (stronger) |
| Loans ÷ deposits | 78.6% | 49.8% (stronger) |
| Uninsured deposits | 39.8% | 2.5% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.2% | — |
Baycel Federal Credit Union has the higher TellerScore (91 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Texas Gulf Bank, National Association leads on 2 and Baycel Federal Credit Union on 5. 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.