Side-by-side · Q2 2026 data
Schertz Bank & Trust vs Texas Associations of Professionals Federal Credit Union
Credit union
Texas Associations of Professionals Federal Credit Union
San Antonio, Texas · Under $100 million in assets
Metric by metric
| Measure | Schertz Bank & Trust | Texas Associations of Professionals Federal Credit Union |
|---|---|---|
| TellerScore | 90 | 93 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 98 (stronger) | 97 |
| Earnings | 100 (stronger) | 99 |
| Funding & liquidity | 42 | 64 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 95th | 94th |
| Total assets | $770.1M | $29.6M |
| Deposits / shares | $651.4M | $24.7M |
| Capital ratio | 15.17% | 15.73% (stronger) |
| Problem loans | 0.05% (stronger) | 0.08% |
| Net charge-offs | -0.02% (stronger) | 0.05% |
| Return on assets | 2.02% (stronger) | 1.97% |
| Loans ÷ deposits | 93.2% (stronger) | 96.2% |
| Uninsured deposits | 38.0% | 6.2% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Texas Associations of Professionals Federal Credit Union has the higher TellerScore (93 vs 90). On the 7 directional measures above (where higher or lower is clearly better), Schertz Bank & Trust leads on 4 and Texas Associations of Professionals Federal Credit Union on 3. 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.