Side-by-side · Q2 2026 data
Shelby Savings Bank, SSB vs Sabine School Employees Federal Credit Union
Credit union
Sabine School Employees Federal Credit Union
Many, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Shelby Savings Bank, SSB | Sabine School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 73 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 65 (stronger) | 60 |
| Earnings | 81 (stronger) | 19 |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 84 | 95 (stronger) |
| Peer percentile | 40th | 47th |
| Total assets | $457.4M | $5.2M |
| Deposits / shares | $367.3M | $4.1M |
| Capital ratio | 11.11% | 20.07% (stronger) |
| Problem loans | 1.05% (stronger) | 1.21% |
| Net charge-offs | 0.16% (stronger) | 1.66% |
| Return on assets | 1.53% (stronger) | -0.03% |
| Loans ÷ deposits | 84.1% | 53.9% (stronger) |
| Uninsured deposits | 24.3% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.5% | — |
Sabine School Employees Federal Credit Union has the higher TellerScore (73 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Shelby Savings Bank, SSB leads on 3 and Sabine School Employees Federal 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.