Side-by-side · Q2 2026 data
Shelby Savings Bank, SSB vs Doches Credit Union
Metric by metric
| Measure | Shelby Savings Bank, SSB | Doches Credit Union |
|---|---|---|
| TellerScore | 69 | 74 (stronger) |
| Capital cushion | 61 | 85 (stronger) |
| Loan quality | 65 | 79 (stronger) |
| Earnings | 81 (stronger) | 43 |
| Funding & liquidity | 66 | 72 (stronger) |
| Problem-loan coverage | 84 | 92 (stronger) |
| Peer percentile | 40th | 49th |
| Total assets | $457.4M | $64.5M |
| Deposits / shares | $367.3M | $56.4M |
| Capital ratio | 11.11% | 13.54% (stronger) |
| Problem loans | 1.05% | 0.62% (stronger) |
| Net charge-offs | 0.16% (stronger) | 0.20% |
| Return on assets | 1.53% (stronger) | 0.59% |
| Loans ÷ deposits | 84.1% (stronger) | 88.5% |
| Uninsured deposits | 24.3% | 1.7% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.5% | — |
Doches Credit Union has the higher TellerScore (74 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Shelby Savings Bank, SSB leads on 3 and Doches Credit Union on 4. 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.
Where both have branches
- Center, TX
- Hemphill, TX