Side-by-side · Q2 2026 data
The Cowboy Bank of Texas vs Eecu Credit Union
Metric by metric
| Measure | The Cowboy Bank of Texas | Eecu Credit Union |
|---|---|---|
| TellerScore | 77 | 81 (stronger) |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 24 | 85 (stronger) |
| Earnings | 100 (stronger) | 84 |
| Funding & liquidity | 85 (stronger) | 67 |
| Problem-loan coverage | 79 | 94 (stronger) |
| Peer percentile | 68th | 89th |
| Total assets | $108.6M | $4.9B |
| Deposits / shares | $88.1M | $4.2B |
| Capital ratio | 17.51% (stronger) | 12.70% |
| Problem loans | 2.29% | 0.45% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.28% |
| Return on assets | 2.74% (stronger) | 1.60% |
| Loans ÷ deposits | 72.4% (stronger) | 93.1% |
| Uninsured deposits | 17.5% | 14.8% (stronger) |
| Offices | 1 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Eecu Credit Union has the higher TellerScore (81 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Cowboy Bank of Texas leads on 4 and Eecu Credit Union on 3. 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.