Side-by-side · Q2 2026 data
The Bank and Trust, S.S.B. vs Border Federal Credit Union
Metric by metric
| Measure | The Bank and Trust, S.S.B. | Border Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 88 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 98 (stronger) | 78 |
| Earnings | 82 | 83 (stronger) |
| Funding & liquidity | 75 | 81 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 68th | 92nd |
| Total assets | $583.8M | $269.8M |
| Deposits / shares | $529.3M | $206.4M |
| Capital ratio | 9.96% | 17.83% (stronger) |
| Problem loans | 0.05% (stronger) | 0.67% |
| Net charge-offs | 0.02% (stronger) | 0.53% |
| Return on assets | 1.56% | 1.58% (stronger) |
| Loans ÷ deposits | 74.3% (stronger) | 79.7% |
| Uninsured deposits | 24.9% | 4.3% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
Border Federal Credit Union has the higher TellerScore (88 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Bank and Trust, S.S.B. leads on 3 and Border Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.