Side-by-side · Q2 2026 data
The Bank of Clovis vs Quay Schools Federal Credit Union
Credit union
Quay Schools Federal Credit Union
Tucumcari, New Mexico · Under $100 million in assets
Metric by metric
| Measure | The Bank of Clovis | Quay Schools Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 83 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 92 | 99 (stronger) |
| Earnings | 71 (stronger) | 37 |
| Funding & liquidity | 74 (stronger) | 73 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 64th | 72nd |
| Total assets | $438.4M | $8.6M |
| Deposits / shares | $367.3M | $6.9M |
| Capital ratio | 10.84% | 19.40% (stronger) |
| Problem loans | 0.25% | 0.03% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.27% (stronger) | 0.42% |
| Loans ÷ deposits | 57.1% (stronger) | 87.2% |
| Uninsured deposits | 38.6% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Quay Schools Federal Credit Union has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Clovis leads on 3 and Quay Schools 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.