Side-by-side · Q2 2026 data
Spectra Bank vs Ben E Keith Company Employees Federal Credit Union
Credit union
Ben E Keith Company Employees Federal Credit Union
Fort Worth, Texas · Under $100 million in assets
Metric by metric
| Measure | Spectra Bank | Ben E Keith Company Employees Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 89 (stronger) |
| Capital cushion | 29 | 100 (stronger) |
| Loan quality | 100 (stronger) | 64 |
| Earnings | 28 | 91 (stronger) |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 17th | 87th |
| Total assets | $126.7M | $11.9M |
| Deposits / shares | $110.8M | $9.4M |
| Capital ratio | 7.88% | 20.86% (stronger) |
| Problem loans | 0.00% (stronger) | 1.07% |
| Net charge-offs | 0.25% | 0.00% (stronger) |
| Return on assets | 0.20% | 1.78% (stronger) |
| Loans ÷ deposits | 77.9% | 47.8% (stronger) |
| Uninsured deposits | 29.8% | 1.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ben E Keith Company Employees Federal Credit Union has the higher TellerScore (89 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Spectra Bank leads on 1 and Ben E Keith Company Employees Federal Credit Union on 6. 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.