Side-by-side · Q2 2026 data
Estacado Federal Credit Union vs Seminole Public Schools Federal Credit Union
Credit union
Seminole Public Schools Federal Credit Union
Seminole, Texas · Under $100 million in assets
Metric by metric
| Measure | Estacado Federal Credit Union | Seminole Public Schools Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 58 |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 76 (stronger) | 0 |
| Earnings | 92 (stronger) | 21 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 93 (stronger) | 87 |
| Peer percentile | 91st | 19th |
| Total assets | $120.0M | $7.4M |
| Deposits / shares | $102.4M | $5.7M |
| Capital ratio | 14.05% | 22.26% (stronger) |
| Problem loans | 0.73% (stronger) | 4.37% |
| Net charge-offs | 0.66% | 0.17% (stronger) |
| Return on assets | 1.79% (stronger) | 0.02% |
| Loans ÷ deposits | 75.0% | 44.1% (stronger) |
| Uninsured deposits | 5.2% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Estacado Federal Credit Union has the higher TellerScore (87 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Estacado Federal Credit Union leads on 3 and Seminole Public Schools Federal Credit Union on 4. 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.