Side-by-side · Q2 2026 data
The Bank and Trust, S.S.B. vs Texhillco School Employees Federal Credit Union
Credit union
Texhillco School Employees Federal Credit Union
Kerrville, Texas · Under $100 million in assets
Metric by metric
| Measure | The Bank and Trust, S.S.B. | Texhillco School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 58 |
| Capital cushion | 50 (stronger) | 49 |
| Loan quality | 98 (stronger) | 80 |
| Earnings | 82 (stronger) | 23 |
| Funding & liquidity | 75 (stronger) | 64 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 68th | 19th |
| Total assets | $583.8M | $26.7M |
| Deposits / shares | $529.3M | $23.3M |
| Capital ratio | 9.96% (stronger) | 9.93% |
| Problem loans | 0.05% (stronger) | 0.61% |
| Net charge-offs | 0.02% (stronger) | 0.81% |
| Return on assets | 1.56% (stronger) | 0.07% |
| Loans ÷ deposits | 74.3% (stronger) | 96.0% |
| Uninsured deposits | 24.9% | 9.8% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
The Bank and Trust, S.S.B. has the higher TellerScore (77 vs 58). On the 7 directional measures above (where higher or lower is clearly better), The Bank and Trust, S.S.B. leads on 6 and Texhillco School Employees Federal Credit Union on 1. 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.