Side-by-side · Q2 2026 data
Bank of Hays vs Ellis Credit Union
Metric by metric
| Measure | Bank of Hays | Ellis Credit Union |
|---|---|---|
| TellerScore | 75 | 89 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 81 (stronger) | 44 |
| Funding & liquidity | 86 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 61st | 87th |
| Total assets | $379.2M | $5.6M |
| Deposits / shares | $338.0M | $4.6M |
| Capital ratio | 9.97% | 17.07% (stronger) |
| Problem loans | 0.47% | 0.00% (stronger) |
| Net charge-offs | -0.00% | -0.10% (stronger) |
| Return on assets | 1.53% (stronger) | 0.61% |
| Loans ÷ deposits | 56.8% | 51.1% (stronger) |
| Uninsured deposits | 27.9% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ellis Credit Union has the higher TellerScore (89 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Bank of Hays leads on 1 and Ellis Credit Union on 6. 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.