Side-by-side · Q2 2026 data
Commercial State Bank vs Dallas U.P. Employees Credit Union
Metric by metric
| Measure | Commercial State Bank | Dallas U.P. Employees Credit Union |
|---|---|---|
| TellerScore | 49 | 81 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 0 | 49 (stronger) |
| Earnings | 83 | 88 (stronger) |
| Funding & liquidity | 65 | 78 (stronger) |
| Problem-loan coverage | 50 | 92 (stronger) |
| Peer percentile | 6th | 68th |
| Total assets | $126.6M | $27.2M |
| Deposits / shares | $114.3M | $20.5M |
| Capital ratio | 10.92% | 24.32% (stronger) |
| Problem loans | 5.44% | 1.54% (stronger) |
| Net charge-offs | 0.42% | 0.04% (stronger) |
| Return on assets | 1.57% | 1.69% (stronger) |
| Loans ÷ deposits | 35.0% (stronger) | 82.2% |
| Uninsured deposits | 46.8% | 2.2% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Dallas U.P. Employees Credit Union has the higher TellerScore (81 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Commercial State Bank leads on 1 and Dallas U.P. Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.