Side-by-side · Q2 2026 data
First State Bank in Temple vs Endurance Federal Credit Union
Metric by metric
| Measure | First State Bank in Temple | Endurance Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 83 (stronger) |
| Capital cushion | 100 (stronger) | 87 |
| Loan quality | 0 | 93 (stronger) |
| Earnings | 62 (stronger) | 48 |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 66 | 98 (stronger) |
| Peer percentile | 24th | 83rd |
| Total assets | $26.4M | $196.5M |
| Deposits / shares | $21.5M | $168.5M |
| Capital ratio | 22.19% (stronger) | 13.69% |
| Problem loans | 8.60% | 0.21% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.16% |
| Return on assets | 1.06% (stronger) | 0.70% |
| Loans ÷ deposits | 45.2% (stronger) | 66.4% |
| Uninsured deposits | 14.3% | 4.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Endurance Federal Credit Union has the higher TellerScore (83 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First State Bank in Temple leads on 4 and Endurance Federal Credit Union on 3. 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.