Side-by-side · Q2 2026 data
Sundown State Bank vs Seminole Public Schools Federal Credit Union
Credit union
Seminole Public Schools Federal Credit Union
Seminole, Texas · Under $100 million in assets
Metric by metric
| Measure | Sundown State Bank | Seminole Public Schools Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 58 |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 72 (stronger) | 0 |
| Earnings | 100 (stronger) | 21 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 92 (stronger) | 87 |
| Peer percentile | 75th | 19th |
| Total assets | $307.7M | $7.4M |
| Deposits / shares | $269.6M | $5.7M |
| Capital ratio | 11.63% | 22.26% (stronger) |
| Problem loans | 0.84% (stronger) | 4.37% |
| Net charge-offs | 0.09% (stronger) | 0.17% |
| Return on assets | 4.15% (stronger) | 0.02% |
| Loans ÷ deposits | 70.4% | 44.1% (stronger) |
| Uninsured deposits | 23.4% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sundown State Bank has the higher TellerScore (79 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Sundown State Bank leads on 4 and Seminole Public Schools Federal 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.