Side-by-side · Q2 2026 data
Sabine Federal Credit Union vs Common Cents Federal Credit Union
Credit union
Common Cents Federal Credit Union
Beaumont, Texas · Under $100 million in assets
Metric by metric
| Measure | Sabine Federal Credit Union | Common Cents Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 87 (stronger) |
| Capital cushion | 73 (stronger) | 71 |
| Loan quality | 74 | 90 (stronger) |
| Earnings | 27 | 100 (stronger) |
| Funding & liquidity | 90 (stronger) | 87 |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 48th | 83rd |
| Total assets | $235.3M | $34.2M |
| Deposits / shares | $203.9M | $30.0M |
| Capital ratio | 12.27% (stronger) | 12.13% |
| Problem loans | 0.79% | 0.30% (stronger) |
| Net charge-offs | 0.32% (stronger) | 0.66% |
| Return on assets | 0.18% | 2.37% (stronger) |
| Loans ÷ deposits | 70.1% (stronger) | 73.0% |
| Uninsured deposits | 4.9% | 1.9% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.0% | — |
Common Cents Federal Credit Union has the higher TellerScore (87 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Sabine Federal Credit Union leads on 3 and Common Cents 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.