Side-by-side · Q2 2026 data
The First National Bank of Moody vs Heart O' Texas Federal Credit Union
Credit union
Heart O' Texas Federal Credit Union
Waco, Texas · Under $100 million in assets
Metric by metric
| Measure | The First National Bank of Moody | Heart O' Texas Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 49 |
| Capital cushion | 100 (stronger) | 24 |
| Loan quality | 100 (stronger) | 71 |
| Earnings | 59 (stronger) | 22 |
| Funding & liquidity | 100 (stronger) | 80 |
| Problem-loan coverage | 100 (stronger) | 79 |
| Peer percentile | 92nd | 8th |
| Total assets | $54.2M | $54.6M |
| Deposits / shares | $42.4M | $50.3M |
| Capital ratio | 18.31% (stronger) | 7.43% |
| Problem loans | 0.00% (stronger) | 0.86% |
| Net charge-offs | -0.06% (stronger) | 0.37% |
| Return on assets | 0.97% (stronger) | 0.05% |
| Loans ÷ deposits | 39.2% (stronger) | 80.2% |
| Uninsured deposits | 14.3% | 3.6% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Moody has the higher TellerScore (92 vs 49). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Moody leads on 6 and Heart O' Texas Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.