Side-by-side · Q2 2026 data
The Waggoner National Bank of Vernon vs Midwestern State University Credit Union
Credit union
Midwestern State University Credit Union
Wichita Falls, Texas · Under $100 million in assets
Metric by metric
| Measure | The Waggoner National Bank of Vernon | Midwestern State University Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 76 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 78 | 84 (stronger) |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 92nd | 54th |
| Total assets | $353.7M | $4.3M |
| Deposits / shares | $304.8M | $3.6M |
| Capital ratio | 14.41% | 16.26% (stronger) |
| Problem loans | 0.66% | 0.47% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.41% |
| Return on assets | 2.47% (stronger) | -0.78% |
| Loans ÷ deposits | 63.0% | 60.2% (stronger) |
| Uninsured deposits | 37.6% | 0.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | — |
The Waggoner National Bank of Vernon has the higher TellerScore (88 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Waggoner National Bank of Vernon leads on 3 and Midwestern State University Credit Union on 4. 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.