Side-by-side · Q2 2026 data
The First National Bank in Cooper vs Northeast Texas Teachers Federal Credit Union
Credit union
Northeast Texas Teachers Federal Credit Union
Paris, Texas · Under $100 million in assets
Metric by metric
| Measure | The First National Bank in Cooper | Northeast Texas Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 83 (stronger) |
| Capital cushion | 81 | 95 (stronger) |
| Loan quality | 52 | 86 (stronger) |
| Earnings | 56 (stronger) | 40 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 45th | 72nd |
| Total assets | $57.3M | $33.1M |
| Deposits / shares | $49.7M | $28.1M |
| Capital ratio | 13.12% | 14.45% (stronger) |
| Problem loans | 1.44% | 0.43% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.15% |
| Return on assets | 0.90% (stronger) | 0.50% |
| Loans ÷ deposits | 60.5% | 22.7% (stronger) |
| Uninsured deposits | 13.3% | 0.1% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northeast Texas Teachers Federal Credit Union has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank in Cooper leads on 2 and Northeast Texas Teachers Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.