Side-by-side · Q2 2026 data
Commercial Bank of Texas, National Association vs Employees United Federal Credit Union
Bank
Commercial Bank of Texas, National Association
Nacogdoches, Texas · $1 billion – $10 billion
Credit union
Employees United Federal Credit Union
Paris, Texas · Under $100 million in assets
Metric by metric
| Measure | Commercial Bank of Texas, National Association | Employees United Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 92 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 95 | 97 (stronger) |
| Earnings | 85 (stronger) | 63 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 83rd | 92nd |
| Total assets | $1.7B | $12.4M |
| Deposits / shares | $1.5B | $8.3M |
| Capital ratio | 10.60% | 32.74% (stronger) |
| Problem loans | 0.14% | 0.08% (stronger) |
| Net charge-offs | 0.11% | 0.07% (stronger) |
| Return on assets | 1.62% (stronger) | 1.07% |
| Loans ÷ deposits | 77.0% | 31.7% (stronger) |
| Uninsured deposits | 29.5% | 0.1% (stronger) |
| Offices | 23 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Employees United Federal Credit Union has the higher TellerScore (92 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank of Texas, National Association leads on 1 and Employees United Federal 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.