Side-by-side · Q2 2026 data
TXN Bank vs Select Federal Credit Union
Metric by metric
| Measure | TXN Bank | Select Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 70 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 67 | 72 (stronger) |
| Earnings | 60 (stronger) | 0 |
| Funding & liquidity | 83 | 86 (stronger) |
| Problem-loan coverage | 88 | 93 (stronger) |
| Peer percentile | 26th | 40th |
| Total assets | $669.2M | $57.7M |
| Deposits / shares | $613.0M | $48.1M |
| Capital ratio | 9.68% | 15.08% (stronger) |
| Problem loans | 0.98% | 0.83% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.78% |
| Return on assets | 0.99% (stronger) | -1.67% |
| Loans ÷ deposits | 54.0% (stronger) | 74.1% |
| Uninsured deposits | 31.0% | 1.4% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | — |
Select Federal Credit Union has the higher TellerScore (70 vs 64). On the 7 directional measures above (where higher or lower is clearly better), TXN Bank leads on 3 and Select Federal 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.
Where both have branches
- Hondo, TX