Side-by-side · Q2 2026 data
Trinity Capital Bank of Texas vs Centex Citizens Credit Union
Metric by metric
| Measure | Trinity Capital Bank of Texas | Centex Citizens Credit Union |
|---|---|---|
| TellerScore | 69 | 89 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 89 (stronger) | 85 |
| Earnings | 86 (stronger) | 69 |
| Funding & liquidity | 45 | 95 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 40th | 94th |
| Total assets | $456.6M | $118.9M |
| Deposits / shares | $355.1M | $97.7M |
| Capital ratio | 9.56% | 17.16% (stronger) |
| Problem loans | 0.33% (stronger) | 0.44% |
| Net charge-offs | -0.03% (stronger) | 0.11% |
| Return on assets | 1.64% (stronger) | 1.23% |
| Loans ÷ deposits | 100.0% | 65.7% (stronger) |
| Uninsured deposits | 29.1% | 5.6% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.7% | — |
Centex Citizens Credit Union has the higher TellerScore (89 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Trinity Capital Bank of Texas leads on 3 and Centex Citizens Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Ennis, TX