Side-by-side · Q2 2026 data
Sundown State Bank vs Cochran County Schools Federal Credit Union
Credit union
Cochran County Schools Federal Credit Union
Morton, Texas · Under $100 million in assets
Metric by metric
| Measure | Sundown State Bank | Cochran County Schools Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 79 |
| Capital cushion | 66 | 96 (stronger) |
| Loan quality | 72 | 74 (stronger) |
| Earnings | 100 (stronger) | 33 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 75th | 62nd |
| Total assets | $307.7M | $10.2M |
| Deposits / shares | $269.6M | $8.7M |
| Capital ratio | 11.63% | 14.61% (stronger) |
| Problem loans | 0.84% | 0.77% (stronger) |
| Net charge-offs | 0.09% (stronger) | 1.28% |
| Return on assets | 4.15% (stronger) | 0.33% |
| Loans ÷ deposits | 70.4% | 46.0% (stronger) |
| Uninsured deposits | 23.4% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Sundown State Bank leads on 2 and Cochran County Schools 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.