Side-by-side · Q2 2026 data
First State Bank of Ben Wheeler, Texas vs Salt Employees Federal Credit Union
Credit union
Salt Employees Federal Credit Union
Grand Saline, Texas · Under $100 million in assets
Metric by metric
| Measure | First State Bank of Ben Wheeler, Texas | Salt Employees Federal Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 77 |
| Capital cushion | 100 | 100 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 80 (stronger) | 6 |
| Funding & liquidity | 97 (stronger) | 69 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 99th | 57th |
| Total assets | $185.1M | $1.5M |
| Deposits / shares | $156.1M | $764K |
| Capital ratio | 15.66% | 44.66% (stronger) |
| Problem loans | 0.07% | 0.00% (stronger) |
| Net charge-offs | -0.04% (stronger) | 1.15% |
| Return on assets | 1.51% (stronger) | -0.35% |
| Loans ÷ deposits | 42.3% (stronger) | 91.4% |
| Uninsured deposits | 17.9% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of Ben Wheeler, Texas has the higher TellerScore (95 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Ben Wheeler, Texas leads on 4 and Salt Employees 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.