Side-by-side · Q2 2026 data
Schlumberger Employees Credit Union vs Smart Financial Credit Union
Credit union
Schlumberger Employees Credit Union
Sugar Land, Texas · $100 million – $1 billion
Metric by metric
| Measure | Schlumberger Employees Credit Union | Smart Financial Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 81 (stronger) | 61 |
| Earnings | 93 (stronger) | 68 |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 99 (stronger) | 82 |
| Peer percentile | 98th | 48th |
| Total assets | $935.8M | $807.5M |
| Deposits / shares | $698.6M | $700.6M |
| Capital ratio | 25.28% (stronger) | 11.84% |
| Problem loans | 0.57% (stronger) | 1.16% |
| Net charge-offs | 0.23% (stronger) | 0.54% |
| Return on assets | 1.81% (stronger) | 1.20% |
| Loans ÷ deposits | 39.5% (stronger) | 83.7% |
| Uninsured deposits | 12.6% | 2.8% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 41.1% |
Schlumberger Employees Credit Union has the higher TellerScore (94 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Schlumberger Employees Credit Union leads on 6 and Smart Financial Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.