Side-by-side · Q2 2026 data
The First National Bank of Ballinger vs Concho Valley Credit Union
Metric by metric
| Measure | The First National Bank of Ballinger | Concho Valley Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 78 |
| Capital cushion | 55 | 64 (stronger) |
| Loan quality | 99 (stronger) | 95 |
| Earnings | 82 (stronger) | 51 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 80th | 59th |
| Total assets | $275.3M | $25.7M |
| Deposits / shares | $244.9M | $22.6M |
| Capital ratio | 10.52% | 11.44% (stronger) |
| Problem loans | 0.03% (stronger) | 0.14% |
| Net charge-offs | 0.02% (stronger) | 0.10% |
| Return on assets | 1.54% (stronger) | 0.79% |
| Loans ÷ deposits | 61.6% | 59.6% (stronger) |
| Uninsured deposits | 25.2% | 3.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Ballinger has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Ballinger leads on 4 and Concho Valley Credit Union on 3. 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.