Side-by-side · Q2 2026 data
Texas Bank and Trust Company vs Marshall T & P Employees Federal Credit Union
Credit union
Marshall T & P Employees Federal Credit Union
Marshall, Texas · Under $100 million in assets
Metric by metric
| Measure | Texas Bank and Trust Company | Marshall T & P Employees Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 81 (stronger) |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 80 (stronger) | 65 |
| Earnings | 81 (stronger) | 62 |
| Funding & liquidity | 34 | 84 (stronger) |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 77th | 68th |
| Total assets | $4.3B | $17.4M |
| Deposits / shares | $3.8B | $14.1M |
| Capital ratio | 13.10% | 17.89% (stronger) |
| Problem loans | 0.61% (stronger) | 1.04% |
| Net charge-offs | 0.01% (stronger) | 0.49% |
| Return on assets | 1.54% (stronger) | 1.06% |
| Loans ÷ deposits | 90.4% | 76.4% (stronger) |
| Uninsured deposits | 47.3% | 0.0% (stronger) |
| Offices | 20 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Marshall T & P Employees Federal Credit Union has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Texas Bank and Trust Company leads on 3 and Marshall T & P Employees 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.