Side-by-side · Q2 2026 data
Spring Hill State Bank vs East Texas Professional Credit Union
Credit union
East Texas Professional Credit Union
Longview, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Spring Hill State Bank | East Texas Professional Credit Union |
|---|---|---|
| TellerScore | 79 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 69 | 86 (stronger) |
| Earnings | 77 | 91 (stronger) |
| Funding & liquidity | 49 | 75 (stronger) |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 75th | 98th |
| Total assets | $238.5M | $1.4B |
| Deposits / shares | $186.9M | $1.2B |
| Capital ratio | 16.65% | 19.38% (stronger) |
| Problem loans | 0.94% | 0.41% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.38% |
| Return on assets | 1.42% | 1.78% (stronger) |
| Loans ÷ deposits | 97.6% | 84.9% (stronger) |
| Uninsured deposits | 27.7% | 2.1% (stronger) |
| Offices | 2 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.5% |
East Texas Professional Credit Union has the higher TellerScore (90 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Spring Hill State Bank leads on 1 and East Texas Professional 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.