Side-by-side · Q2 2026 data
Southern Bank and Trust Company vs Texas Gulf Carolina Emp Credit Union
Credit union
Texas Gulf Carolina Emp Credit Union
Aurora, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Southern Bank and Trust Company | Texas Gulf Carolina Emp Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 45 |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 96 (stronger) | 0 |
| Earnings | 76 (stronger) | 0 |
| Funding & liquidity | 50 | 54 (stronger) |
| Problem-loan coverage | 98 (stronger) | 72 |
| Peer percentile | 58th | 5th |
| Total assets | $5.3B | $1.1M |
| Deposits / shares | $4.8B | $725K |
| Capital ratio | 9.63% | 36.27% (stronger) |
| Problem loans | 0.12% (stronger) | 9.84% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.40% (stronger) | -5.49% |
| Loans ÷ deposits | 73.9% (stronger) | 106.1% |
| Uninsured deposits | 47.7% | 0.0% (stronger) |
| Offices | 56 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Southern Bank and Trust Company has the higher TellerScore (70 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Southern Bank and Trust Company leads on 4 and Texas Gulf Carolina Emp Credit Union on 3. 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.