Side-by-side · Q2 2026 data
The Buckholts State Bank vs Austin Telco Federal Credit Union
Metric by metric
| Measure | The Buckholts State Bank | Austin Telco Federal Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 90 |
| Loan quality | 99 (stronger) | 88 |
| Earnings | 100 (stronger) | 44 |
| Funding & liquidity | 78 (stronger) | 72 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 99th | 84th |
| Total assets | $138.8M | $2.5B |
| Deposits / shares | $114.4M | $2.1B |
| Capital ratio | 17.62% (stronger) | 14.04% |
| Problem loans | 0.02% (stronger) | 0.35% |
| Net charge-offs | 0.00% (stronger) | 0.26% |
| Return on assets | 2.89% (stronger) | 0.60% |
| Loans ÷ deposits | 75.4% (stronger) | 88.0% |
| Uninsured deposits | 21.5% | 9.1% (stronger) |
| Offices | 3 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Buckholts State Bank has the higher TellerScore (96 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The Buckholts State Bank leads on 6 and Austin Telco Federal Credit Union on 1. 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.