Guides & Resources

June 27, 2026 · 5 min read

The largest Texas-headquartered FDIC-insured banks ranked by assets, CRA rating, and CFPB complaint data. Updated 2026 with data from FDIC BankFind and FFIEC.

June 27, 2026 · 6 min read

FDIC insurance, ROA, Tier 1 capital ratios, CRA ratings — a plain-English guide to the signals that tell you whether your bank is financially sound.

June 27, 2026 · 5 min read

Only about 1 in 10 US banks earns an Outstanding CRA rating. We look at what distinguishes top performers — Lending Test, Investment Test, Service Test — and how to find them.

June 27, 2026 · 6 min read

Every FDIC-insured bank files a quarterly Call Report — and it's public. Here's how to read ROA, Tier 1 capital, and other key metrics to assess your bank's health.

June 27, 2026 · 6 min read

HMDA requires lenders to disclose mortgage application data by census tract. It's the government's primary tool for detecting lending discrimination — here's what it shows.

June 27, 2026 · 5 min read

The CFPB routes your complaint directly to the financial institution and tracks the response publicly. Here's a step-by-step guide to filing — and what happens next.

June 27, 2026 · 5 min read

Every FDIC-insured bank files a detailed quarterly Call Report. Learn what's in it — balance sheet, income, capital ratios — and how to find it for any bank.

June 10, 2026 · 5 min read

We ranked every institution by CFPB complaint volume in 2025. Credit bureaus dominate the raw numbers — here's how the actual banks stack up.

May 27, 2026 · 5 min read

Navy Federal alone holds $203 billion — roughly three times the size of the second-largest credit union. We ranked all 25 with data from NCUA 5300 Call Reports.

May 8, 2026 · 6 min read

$203B in assets, 15.35 million members, and 1,152 CFPB complaints. Here's the full picture — including who's eligible, the loan book, and the mortgage controversy.

April 22, 2026 · 5 min read

410 US banks currently hold a Needs to Improve CRA rating — including City National Bank ($100B). We explain what triggers it, what happens next, and why it matters.

April 1, 2026 · 7 min read

ROA, capital ratios, net worth — banks and credit unions measure financial health differently. Here's how to read the metrics and make meaningful comparisons across institution types.

March 4, 2026 · 6 min read

The CFPB publishes every complaint submitted against financial institutions. Learn what the data shows, what it doesn't, and how to use it to evaluate your bank.

February 11, 2026 · 5 min read

NCUA grants the LICU designation to credit unions serving predominantly low-income members. Here's what it means, the regulatory benefits it unlocks, and how to find one.

January 21, 2026 · 6 min read

Both agencies provide $250,000 in deposit protection — but the regulatory frameworks they administer are very different. Here's what consumers need to know.

December 17, 2025 · 5 min read

Credit unions are not-for-profit cooperatives owned by their members. Learn how they work, who can join, and why they often offer better rates than banks.

December 3, 2025 · 5 min read

Banks and credit unions both offer checking, savings, loans, and mortgages — but with different trade-offs. Here's a practical guide to choosing between them.

November 12, 2025 · 4 min read

Only about 10% of banks earn an Outstanding CRA rating. We break down what separates top performers from the pack — and why it matters for mergers and expansions.

October 8, 2025 · 6 min read

Federal regulators examine banks on lending, investment, and service to assign CRA ratings. We explain the process, who does it, and how often it happens.

September 15, 2025 · 5 min read

The Community Reinvestment Act requires banks to serve the credit needs of the communities where they operate. Here's what the ratings mean and why they matter.