Side-by-side · Q2 2026 data
The First State Bank vs Texasgulf Federal Credit Union
Metric by metric
| Measure | The First State Bank | Texasgulf Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 81 (stronger) |
| Capital cushion | 56 | 93 (stronger) |
| Loan quality | 28 | 80 (stronger) |
| Earnings | 100 (stronger) | 54 |
| Funding & liquidity | 66 | 88 (stronger) |
| Problem-loan coverage | 68 | 94 (stronger) |
| Peer percentile | 20th | 80th |
| Total assets | $895.2M | $220.5M |
| Deposits / shares | $806.8M | $189.3M |
| Capital ratio | 10.58% | 14.27% (stronger) |
| Problem loans | 2.16% | 0.61% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.20% |
| Return on assets | 2.44% (stronger) | 0.85% |
| Loans ÷ deposits | 79.8% | 71.9% (stronger) |
| Uninsured deposits | 28.1% | 2.7% (stronger) |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texasgulf Federal Credit Union has the higher TellerScore (81 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank leads on 2 and Texasgulf Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- El Campo, TX
- Wharton, TX