Side-by-side · Q2 2026 data
First State Bank of Ben Wheeler, Texas vs United Credit Union
Metric by metric
| Measure | First State Bank of Ben Wheeler, Texas | United Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 58 |
| Capital cushion | 100 (stronger) | 21 |
| Loan quality | 98 (stronger) | 79 |
| Earnings | 80 (stronger) | 45 |
| Funding & liquidity | 97 (stronger) | 95 |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 99th | 19th |
| Total assets | $185.1M | $29.6M |
| Deposits / shares | $156.1M | $27.2M |
| Capital ratio | 15.66% (stronger) | 7.07% |
| Problem loans | 0.07% (stronger) | 0.64% |
| Net charge-offs | -0.04% (stronger) | 0.32% |
| Return on assets | 1.51% (stronger) | 0.63% |
| Loans ÷ deposits | 42.3% (stronger) | 65.2% |
| Uninsured deposits | 17.9% | 0.2% (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 58). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Ben Wheeler, Texas leads on 6 and United Credit Union on 1. 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.