Side-by-side · Q2 2026 data
The Cowboy Bank of Texas vs Ellis County Teachers and Employees Federal Credit Union
Credit union
Ellis County Teachers and Employees Federal Credit Union
Waxahachie, Texas · Under $100 million in assets
Metric by metric
| Measure | The Cowboy Bank of Texas | Ellis County Teachers and Employees Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 97 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 24 | 100 (stronger) |
| Earnings | 100 (stronger) | 87 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 79 | 100 (stronger) |
| Peer percentile | 68th | 98th |
| Total assets | $108.6M | $18.5M |
| Deposits / shares | $88.1M | $14.7M |
| Capital ratio | 17.51% | 20.13% (stronger) |
| Problem loans | 2.29% | 0.00% (stronger) |
| Net charge-offs | 0.01% | -0.07% (stronger) |
| Return on assets | 2.74% (stronger) | 1.67% |
| Loans ÷ deposits | 72.4% | 48.3% (stronger) |
| Uninsured deposits | 17.5% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ellis County Teachers and Employees Federal Credit Union has the higher TellerScore (97 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Cowboy Bank of Texas leads on 1 and Ellis County Teachers and Employees Federal Credit Union on 6. 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.