Side-by-side · Q2 2026 data
The James Polk Stone Community Bank vs Chaves County School Employees Credit Union
Credit union
Chaves County School Employees Credit Union
Roswell, New Mexico · Under $100 million in assets
Metric by metric
| Measure | The James Polk Stone Community Bank | Chaves County School Employees Credit Union |
|---|---|---|
| TellerScore | 66 | 100 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 53 | 100 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 31st | 100th |
| Total assets | $443.8M | $40.1M |
| Deposits / shares | $379.3M | $31.6M |
| Capital ratio | 9.98% | 20.88% (stronger) |
| Problem loans | 1.41% | 0.00% (stronger) |
| Net charge-offs | 0.20% | 0.00% (stronger) |
| Return on assets | 2.08% | 2.18% (stronger) |
| Loans ÷ deposits | 54.1% | 37.2% (stronger) |
| Uninsured deposits | 51.9% | 6.2% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Chaves County School Employees Credit Union has the higher TellerScore (100 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The James Polk Stone Community Bank leads on 0 and Chaves County School Employees Credit Union on 7. 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.