Side-by-side · Q2 2026 data
Shelby Savings Bank, SSB vs East Texas Professional Credit Union
Credit union
East Texas Professional Credit Union
Longview, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Shelby Savings Bank, SSB | East Texas Professional Credit Union |
|---|---|---|
| TellerScore | 69 | 90 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 65 | 86 (stronger) |
| Earnings | 81 | 91 (stronger) |
| Funding & liquidity | 66 | 75 (stronger) |
| Problem-loan coverage | 84 | 95 (stronger) |
| Peer percentile | 40th | 98th |
| Total assets | $457.4M | $1.4B |
| Deposits / shares | $367.3M | $1.2B |
| Capital ratio | 11.11% | 19.38% (stronger) |
| Problem loans | 1.05% | 0.41% (stronger) |
| Net charge-offs | 0.16% (stronger) | 0.38% |
| Return on assets | 1.53% | 1.78% (stronger) |
| Loans ÷ deposits | 84.1% (stronger) | 84.9% |
| Uninsured deposits | 24.3% | 2.1% (stronger) |
| Offices | 5 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.5% | 23.5% |
East Texas Professional Credit Union has the higher TellerScore (90 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Shelby Savings Bank, SSB leads on 2 and East Texas Professional Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.