Side-by-side · Q2 2026 data
Pioneer Bank vs Estacado Federal Credit Union
Metric by metric
| Measure | Pioneer Bank | Estacado Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 87 (stronger) |
| Capital cushion | 73 | 91 (stronger) |
| Loan quality | 43 | 76 (stronger) |
| Earnings | 100 (stronger) | 92 |
| Funding & liquidity | 84 | 85 (stronger) |
| Problem-loan coverage | 80 | 93 (stronger) |
| Peer percentile | 70th | 91st |
| Total assets | $1.1B | $120.0M |
| Deposits / shares | $850.8M | $102.4M |
| Capital ratio | 12.32% | 14.05% (stronger) |
| Problem loans | 1.71% | 0.73% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.66% |
| Return on assets | 2.58% (stronger) | 1.79% |
| Loans ÷ deposits | 72.3% (stronger) | 75.0% |
| Uninsured deposits | 18.7% | 5.2% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.8% | — |
Estacado Federal Credit Union has the higher TellerScore (87 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank leads on 3 and Estacado 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.