Side-by-side · Q2 2026 data
Cypress Bank & Trust vs Fairwinds Credit Union
Metric by metric
| Measure | Cypress Bank & Trust | Fairwinds Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 73 |
| Capital cushion | 68 (stronger) | 62 |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 71 (stronger) | 51 |
| Funding & liquidity | 62 | 89 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 75th | 70th |
| Total assets | $256.8M | $5.3B |
| Deposits / shares | $219.3M | $4.8B |
| Capital ratio | 11.76% (stronger) | 11.17% |
| Problem loans | 0.00% (stronger) | 0.46% |
| Net charge-offs | 0.00% (stronger) | 0.18% |
| Return on assets | 1.26% (stronger) | 0.77% |
| Loans ÷ deposits | 76.6% | 71.6% (stronger) |
| Uninsured deposits | 34.9% | 9.0% (stronger) |
| Offices | 5 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 38.6% |
Cypress Bank & Trust has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Cypress Bank & Trust leads on 5 and Fairwinds Credit Union on 2. 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.