Side-by-side · Q2 2026 data
Sabine State Bank and Trust Company vs Engage Federal Credit Union
Credit union
Engage Federal Credit Union
Natchitoches, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Sabine State Bank and Trust Company | Engage Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 86 (stronger) |
| Capital cushion | 33 | 100 (stronger) |
| Loan quality | 45 | 68 (stronger) |
| Earnings | 90 | 100 (stronger) |
| Funding & liquidity | 47 | 63 (stronger) |
| Problem-loan coverage | 60 | 93 (stronger) |
| Peer percentile | 9th | 80th |
| Total assets | $1.3B | $28.5M |
| Deposits / shares | $1.2B | $22.0M |
| Capital ratio | 8.28% | 21.59% (stronger) |
| Problem loans | 1.66% | 0.95% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.25% |
| Return on assets | 1.74% | 2.21% (stronger) |
| Loans ÷ deposits | 88.7% (stronger) | 97.4% |
| Uninsured deposits | 36.9% | 0.1% (stronger) |
| Offices | 51 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Engage Federal Credit Union has the higher TellerScore (86 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Sabine State Bank and Trust Company leads on 2 and Engage Federal Credit Union on 5. 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.