Side-by-side · Q2 2026 data
Texas Regional Bank vs Members First Credit Union
Metric by metric
| Measure | Texas Regional Bank | Members First Credit Union |
|---|---|---|
| TellerScore | 53 | 87 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 80 (stronger) | 65 |
| Earnings | 32 | 80 (stronger) |
| Funding & liquidity | 46 | 100 (stronger) |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 11th | 91st |
| Total assets | $2.9B | $183.2M |
| Deposits / shares | $2.5B | $137.2M |
| Capital ratio | 8.77% | 24.01% (stronger) |
| Problem loans | 0.59% (stronger) | 1.04% |
| Net charge-offs | 0.07% (stronger) | 0.56% |
| Return on assets | 0.30% | 1.50% (stronger) |
| Loans ÷ deposits | 71.6% | 49.7% (stronger) |
| Uninsured deposits | 53.7% | 10.0% (stronger) |
| Offices | 38 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.0% | — |
Members First Credit Union has the higher TellerScore (87 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Texas Regional Bank leads on 2 and Members First 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.