Side-by-side · Q2 2026 data
First Southwest Bank vs Valley Educators Credit Union
Metric by metric
| Measure | First Southwest Bank | Valley Educators Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 56 |
| Capital cushion | 100 | 100 |
| Loan quality | 99 (stronger) | 19 |
| Earnings | 44 (stronger) | 14 |
| Funding & liquidity | 85 (stronger) | 68 |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 90th | 16th |
| Total assets | $657.5M | $6.1M |
| Deposits / shares | $491.7M | $4.8M |
| Capital ratio | 15.31% | 21.96% (stronger) |
| Problem loans | 0.04% (stronger) | 2.42% |
| Net charge-offs | 0.05% (stronger) | 1.89% |
| Return on assets | 0.60% (stronger) | -0.15% |
| Loans ÷ deposits | 68.6% (stronger) | 92.5% |
| Uninsured deposits | 21.5% | 0.0% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Southwest Bank has the higher TellerScore (86 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First Southwest Bank leads on 5 and Valley Educators 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.