Side-by-side · Q2 2026 data
Lamar National Bank vs Northeast Texas Teachers Federal Credit Union
Credit union
Northeast Texas Teachers Federal Credit Union
Paris, Texas · Under $100 million in assets
Metric by metric
| Measure | Lamar National Bank | Northeast Texas Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 83 (stronger) |
| Capital cushion | 56 | 95 (stronger) |
| Loan quality | 95 (stronger) | 86 |
| Earnings | 49 (stronger) | 40 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 53rd | 72nd |
| Total assets | $375.9M | $33.1M |
| Deposits / shares | $335.9M | $28.1M |
| Capital ratio | 10.64% | 14.45% (stronger) |
| Problem loans | 0.15% (stronger) | 0.43% |
| Net charge-offs | 0.05% (stronger) | 0.15% |
| Return on assets | 0.73% (stronger) | 0.50% |
| Loans ÷ deposits | 64.9% | 22.7% (stronger) |
| Uninsured deposits | 19.5% | 0.1% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.2% | — |
Northeast Texas Teachers Federal Credit Union has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Lamar National Bank leads on 3 and Northeast Texas Teachers Federal Credit Union on 4. 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.