Side-by-side · Q2 2026 data
Prosperity Bank vs Big Spring Education Employees Federal Credit Union
Credit union
Big Spring Education Employees Federal Credit Union
Big Spring, Texas · Under $100 million in assets
Metric by metric
| Measure | Prosperity Bank | Big Spring Education Employees Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 99 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 84 | 96 (stronger) |
| Earnings | 75 | 100 (stronger) |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 76th | 99th |
| Total assets | $43.9B | $55.3M |
| Deposits / shares | $32.9B | $44.9M |
| Capital ratio | 10.64% | 18.56% (stronger) |
| Problem loans | 0.48% | 0.13% (stronger) |
| Net charge-offs | 0.35% | -0.08% (stronger) |
| Return on assets | 1.37% | 2.72% (stronger) |
| Loans ÷ deposits | 74.8% | 47.1% (stronger) |
| Uninsured deposits | 42.7% | 6.9% (stronger) |
| Offices | 373 | 2 |
| CFPB complaints (3 yrs) | 117 | — |
| Complaints per $1B deposits | 3.6 | — |
| Mortgage denial rate (HMDA) | 31.5% | — |
Big Spring Education Employees Federal Credit Union has the higher TellerScore (99 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Prosperity Bank leads on 0 and Big Spring Education Employees Federal Credit Union on 7. 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.