Side-by-side · Q2 2026 data
Schertz Bank & Trust vs Southwest Research Center Federal Credit Union
Credit union
Southwest Research Center Federal Credit Union
San Antonio, Texas · Under $100 million in assets
Metric by metric
| Measure | Schertz Bank & Trust | Southwest Research Center Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 98 (stronger) | 83 |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 42 | 100 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 95th | 62nd |
| Total assets | $770.1M | $87.6M |
| Deposits / shares | $651.4M | $77.7M |
| Capital ratio | 15.17% (stronger) | 11.55% |
| Problem loans | 0.05% (stronger) | 0.50% |
| Net charge-offs | -0.02% (stronger) | 0.23% |
| Return on assets | 2.02% (stronger) | 1.16% |
| Loans ÷ deposits | 93.2% | 54.2% (stronger) |
| Uninsured deposits | 38.0% | 2.5% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Schertz Bank & Trust has the higher TellerScore (90 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Schertz Bank & Trust leads on 5 and Southwest Research Center Federal Credit Union on 2. 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.