Side-by-side · Q2 2026 data
Big Spring Education Employees Federal Credit Union vs Baptist Credit Union
Credit union
Big Spring Education Employees Federal Credit Union
Big Spring, Texas · Under $100 million in assets
Metric by metric
| Measure | Big Spring Education Employees Federal Credit Union | Baptist Credit Union |
|---|---|---|
| TellerScore | 99 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 37 |
| Loan quality | 96 (stronger) | 95 |
| Earnings | 100 (stronger) | 31 |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 99th | 26th |
| Total assets | $55.3M | $54.7M |
| Deposits / shares | $44.9M | $49.7M |
| Capital ratio | 18.56% (stronger) | 8.72% |
| Problem loans | 0.13% (stronger) | 0.15% |
| Net charge-offs | -0.08% (stronger) | 0.24% |
| Return on assets | 2.72% (stronger) | 0.28% |
| Loans ÷ deposits | 47.1% (stronger) | 81.7% |
| Uninsured deposits | 6.9% | 0.0% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Big Spring Education Employees Federal Credit Union has the higher TellerScore (99 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Big Spring Education Employees Federal Credit Union leads on 6 and Baptist Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.