Side-by-side · Q2 2026 data
Bayou City Federal Credit Union vs Schlumberger Employees Credit Union
Credit union
Bayou City Federal Credit Union
Houston, Texas · Under $100 million in assets
Credit union
Schlumberger Employees Credit Union
Sugar Land, Texas · $100 million – $1 billion
Metric by metric
| Measure | Bayou City Federal Credit Union | Schlumberger Employees Credit Union |
|---|---|---|
| TellerScore | 54 | 94 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 38 | 81 (stronger) |
| Earnings | 28 | 93 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 84 | 99 (stronger) |
| Peer percentile | 13th | 98th |
| Total assets | $23.8M | $935.8M |
| Deposits / shares | $21.3M | $698.6M |
| Capital ratio | 10.13% | 25.28% (stronger) |
| Problem loans | 1.85% | 0.57% (stronger) |
| Net charge-offs | 1.08% | 0.23% (stronger) |
| Return on assets | 0.20% | 1.81% (stronger) |
| Loans ÷ deposits | 37.3% (stronger) | 39.5% |
| Uninsured deposits | 2.9% (stronger) | 12.6% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Schlumberger Employees Credit Union has the higher TellerScore (94 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Bayou City Federal Credit Union leads on 2 and Schlumberger Employees Credit Union on 5. 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.