Side-by-side · Q2 2026 data
Scott and White Employees Credit Union vs Service 1st Credit Union
Credit union
Scott and White Employees Credit Union
Temple, Texas · Under $100 million in assets
Metric by metric
| Measure | Scott and White Employees Credit Union | Service 1st Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 91 |
| Capital cushion | 100 | 100 |
| Loan quality | 75 (stronger) | 74 |
| Earnings | 100 (stronger) | 89 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 92nd | 90th |
| Total assets | $71.7M | $71.3M |
| Deposits / shares | $57.6M | $58.9M |
| Capital ratio | 18.49% (stronger) | 16.78% |
| Problem loans | 0.75% (stronger) | 0.78% |
| Net charge-offs | 0.14% | 0.09% (stronger) |
| Return on assets | 2.26% (stronger) | 1.72% |
| Loans ÷ deposits | 70.4% | 60.4% (stronger) |
| Uninsured deposits | 0.8% (stronger) | 3.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Scott and White Employees Credit Union has the higher TellerScore (92 vs 91). On the 7 directional measures above (where higher or lower is clearly better), Scott and White Employees Credit Union leads on 5 and Service 1st Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.