Side-by-side · Q2 2026 data
Kress National Bank vs Hale County Teachers Federal Credit Union
Credit union
Hale County Teachers Federal Credit Union
Plainview, Texas · Under $100 million in assets
Metric by metric
| Measure | Kress National Bank | Hale County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 69 |
| Capital cushion | 46 | 54 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 72 (stronger) | 14 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 56th | 38th |
| Total assets | $63.7M | $11.1M |
| Deposits / shares | $57.5M | $9.9M |
| Capital ratio | 9.64% | 10.36% (stronger) |
| Problem loans | 0.00% (stronger) | 0.00% |
| Net charge-offs | -0.24% (stronger) | 0.00% |
| Return on assets | 1.30% (stronger) | -0.15% |
| Loans ÷ deposits | 25.8% (stronger) | 53.8% |
| Uninsured deposits | 27.0% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kress National Bank has the higher TellerScore (76 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Kress National Bank leads on 5 and Hale County Teachers Federal 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.