Side-by-side · Q2 2026 data
Lamar National Bank vs Employees United Federal Credit Union
Credit union
Employees United Federal Credit Union
Paris, Texas · Under $100 million in assets
Metric by metric
| Measure | Lamar National Bank | Employees United Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 92 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 95 | 97 (stronger) |
| Earnings | 49 | 63 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 53rd | 92nd |
| Total assets | $375.9M | $12.4M |
| Deposits / shares | $335.9M | $8.3M |
| Capital ratio | 10.64% | 32.74% (stronger) |
| Problem loans | 0.15% | 0.08% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.07% |
| Return on assets | 0.73% | 1.07% (stronger) |
| Loans ÷ deposits | 64.9% | 31.7% (stronger) |
| Uninsured deposits | 19.5% | 0.1% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.2% | — |
Employees United Federal Credit Union has the higher TellerScore (92 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Lamar National Bank leads on 1 and Employees United Federal Credit Union on 6. 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.