Side-by-side · Q2 2026 data
Texas Bay Credit Union vs Schlumberger Employees Credit Union
Credit union
Schlumberger Employees Credit Union
Sugar Land, Texas · $100 million – $1 billion
Metric by metric
| Measure | Texas Bay Credit Union | Schlumberger Employees Credit Union |
|---|---|---|
| TellerScore | 53 | 94 (stronger) |
| Capital cushion | 25 | 100 (stronger) |
| Loan quality | 82 (stronger) | 81 |
| Earnings | 31 | 93 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 9th | 98th |
| Total assets | $905.0M | $935.8M |
| Deposits / shares | $763.5M | $698.6M |
| Capital ratio | 7.49% | 25.28% (stronger) |
| Problem loans | 0.55% (stronger) | 0.57% |
| Net charge-offs | 1.07% | 0.23% (stronger) |
| Return on assets | 0.27% | 1.81% (stronger) |
| Loans ÷ deposits | 93.1% | 39.5% (stronger) |
| Uninsured deposits | 8.0% (stronger) | 12.6% |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Schlumberger Employees Credit Union has the higher TellerScore (94 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Texas Bay Credit Union leads on 2 and Schlumberger Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.