Side-by-side · Q2 2026 data
The Moody National Bank vs Gulf Coast Educators Federal Credit Union
Credit union
Gulf Coast Educators Federal Credit Union
Pasadena, Texas · $1 billion – $10 billion
Metric by metric
| Measure | The Moody National Bank | Gulf Coast Educators Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 77 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 66 | 70 (stronger) |
| Earnings | 58 (stronger) | 56 |
| Funding & liquidity | 42 | 59 (stronger) |
| Problem-loan coverage | 88 | 92 (stronger) |
| Peer percentile | 70th | 82nd |
| Total assets | $1.5B | $1.3B |
| Deposits / shares | $1.3B | $1.1B |
| Capital ratio | 15.87% (stronger) | 15.70% |
| Problem loans | 1.03% | 0.90% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.67% |
| Return on assets | 0.96% (stronger) | 0.91% |
| Loans ÷ deposits | 85.2% | 81.9% (stronger) |
| Uninsured deposits | 45.3% | 32.5% (stronger) |
| Offices | 14 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.9% |
Gulf Coast Educators Federal Credit Union has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Moody National Bank leads on 3 and Gulf Coast Educators Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.