Side-by-side · Q2 2026 data
Community Bank & Trust, Waco, Texas vs Educators Credit Union
Metric by metric
| Measure | Community Bank & Trust, Waco, Texas | Educators Credit Union |
|---|---|---|
| TellerScore | 90 | 99 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 93 | 94 (stronger) |
| Earnings | 64 | 100 (stronger) |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 95th | 100th |
| Total assets | $649.1M | $609.5M |
| Deposits / shares | $562.6M | $484.8M |
| Capital ratio | 15.45% | 20.32% (stronger) |
| Problem loans | 0.21% | 0.17% (stronger) |
| Net charge-offs | 0.58% | 0.03% (stronger) |
| Return on assets | 1.11% | 2.30% (stronger) |
| Loans ÷ deposits | 66.2% | 28.4% (stronger) |
| Uninsured deposits | 17.6% | 7.9% (stronger) |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | — |
Educators Credit Union has the higher TellerScore (99 vs 90). On the 7 directional measures above (where higher or lower is clearly better), Community Bank & Trust, Waco, Texas leads on 0 and Educators Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.