Side-by-side · Q2 2026 data
Lea County State Bank vs Estacado Federal Credit Union
Metric by metric
| Measure | Lea County State Bank | Estacado Federal Credit Union |
|---|---|---|
| TellerScore | 49 | 87 (stronger) |
| Capital cushion | 42 | 91 (stronger) |
| Loan quality | 0 | 76 (stronger) |
| Earnings | 83 | 92 (stronger) |
| Funding & liquidity | 81 | 85 (stronger) |
| Problem-loan coverage | 73 | 93 (stronger) |
| Peer percentile | 6th | 91st |
| Total assets | $738.3M | $120.0M |
| Deposits / shares | $662.4M | $102.4M |
| Capital ratio | 9.21% | 14.05% (stronger) |
| Problem loans | 3.61% | 0.73% (stronger) |
| Net charge-offs | 0.66% | 0.66% (stronger) |
| Return on assets | 1.58% | 1.79% (stronger) |
| Loans ÷ deposits | 34.6% (stronger) | 75.0% |
| Uninsured deposits | 31.9% | 5.2% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Estacado Federal Credit Union has the higher TellerScore (87 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Lea County State Bank leads on 1 and Estacado 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.
Where both have branches
- Hobbs, NM
- Lovington, NM