Side-by-side · Q2 2026 data
Schertz Bank & Trust vs Security Service Federal Credit Union
Metric by metric
| Measure | Schertz Bank & Trust | Security Service Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 61 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 98 (stronger) | 66 |
| Earnings | 100 (stronger) | 41 |
| Funding & liquidity | 42 | 58 (stronger) |
| Problem-loan coverage | 96 (stronger) | 84 |
| Peer percentile | 95th | 33rd |
| Total assets | $770.1M | $14.4B |
| Deposits / shares | $651.4M | $11.2B |
| Capital ratio | 15.17% (stronger) | 11.26% |
| Problem loans | 0.05% (stronger) | 1.03% |
| Net charge-offs | -0.02% (stronger) | 0.36% |
| Return on assets | 2.02% (stronger) | 0.53% |
| Loans ÷ deposits | 93.2% (stronger) | 101.9% |
| Uninsured deposits | 38.0% | 12.7% (stronger) |
| Offices | 6 | 46 |
| CFPB complaints (3 yrs) | — | 239 |
| Complaints per $1B deposits | — | 21.3 |
| Mortgage denial rate (HMDA) | — | 30.8% |
Schertz Bank & Trust has the higher TellerScore (90 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Schertz Bank & Trust leads on 6 and Security Service Federal Credit Union on 1. 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.