Side-by-side · Q2 2026 data
Texas State Bank vs 1st Community Federal Credit Union
Metric by metric
| Measure | Texas State Bank | 1st Community Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 58 |
| Capital cushion | 86 | 86 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 100 (stronger) | 66 |
| Funding & liquidity | 69 | 84 (stronger) |
| Problem-loan coverage | 100 (stronger) | 63 |
| Peer percentile | 96th | 16th |
| Total assets | $425.5M | $421.8M |
| Deposits / shares | $354.2M | $361.9M |
| Capital ratio | 13.58% | 13.63% (stronger) |
| Problem loans | 0.00% (stronger) | 3.73% |
| Net charge-offs | 0.00% (stronger) | 1.20% |
| Return on assets | 2.54% (stronger) | 1.14% |
| Loans ÷ deposits | 78.6% | 76.5% (stronger) |
| Uninsured deposits | 26.7% | 6.8% (stronger) |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | 34.2% |
Texas State Bank has the higher TellerScore (91 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Texas State Bank leads on 4 and 1st Community Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.