Side-by-side · Q2 2026 data
Bank of the Southwest vs Chaves County School Employees Credit Union
Credit union
Chaves County School Employees Credit Union
Roswell, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Bank of the Southwest | Chaves County School Employees Credit Union |
|---|---|---|
| TellerScore | 64 | 100 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 76 | 100 (stronger) |
| Earnings | 63 | 100 (stronger) |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 26th | 100th |
| Total assets | $176.3M | $40.1M |
| Deposits / shares | $159.0M | $31.6M |
| Capital ratio | 9.36% | 20.88% (stronger) |
| Problem loans | 0.73% | 0.00% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.07% | 2.18% (stronger) |
| Loans ÷ deposits | 75.6% | 37.2% (stronger) |
| Uninsured deposits | 30.4% | 6.2% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | — |
Chaves County School Employees Credit Union has the higher TellerScore (100 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Southwest leads on 0 and Chaves County School Employees Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.