Side-by-side · Q2 2026 data
Houston Bank & Trust vs Schlumberger Employees Credit Union
Credit union
Schlumberger Employees Credit Union
Sugar Land, Texas · $100 million – $1 billion
Metric by metric
| Measure | Houston Bank & Trust | Schlumberger Employees Credit Union |
|---|---|---|
| TellerScore | 73 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 81 |
| Earnings | 0 | 93 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 48th | 98th |
| Total assets | $38.5M | $935.8M |
| Deposits / shares | $2.6M | $698.6M |
| Capital ratio | 93.01% (stronger) | 25.28% |
| Problem loans | 0.00% (stronger) | 0.57% |
| Net charge-offs | 0.00% (stronger) | 0.23% |
| Return on assets | -53.11% | 1.81% (stronger) |
| Loans ÷ deposits | 23.6% (stronger) | 39.5% |
| Uninsured deposits | 79.8% | 12.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Schlumberger Employees Credit Union has the higher TellerScore (94 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Houston Bank & Trust leads on 4 and Schlumberger Employees 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.