Side-by-side · Q2 2026 data
The First National Bank of Mertzon vs San Angelo Federal Credit Union
Metric by metric
| Measure | The First National Bank of Mertzon | San Angelo Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 84 |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 100 (stronger) | 76 |
| Earnings | 89 (stronger) | 84 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 95th | 75th |
| Total assets | $500.3M | $40.6M |
| Deposits / shares | $420.2M | $35.1M |
| Capital ratio | 15.75% (stronger) | 12.88% |
| Problem loans | 0.00% (stronger) | 0.73% |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 1.72% (stronger) | 1.59% |
| Loans ÷ deposits | 21.3% (stronger) | 57.4% |
| Uninsured deposits | 61.7% | 0.7% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Mertzon has the higher TellerScore (90 vs 84). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Mertzon leads on 6 and San Angelo 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.