Side-by-side · Q2 2026 data
The James Polk Stone Community Bank vs Estacado Federal Credit Union
Metric by metric
| Measure | The James Polk Stone Community Bank | Estacado Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 87 (stronger) |
| Capital cushion | 50 | 91 (stronger) |
| Loan quality | 53 | 76 (stronger) |
| Earnings | 100 (stronger) | 92 |
| Funding & liquidity | 59 | 85 (stronger) |
| Problem-loan coverage | 86 | 93 (stronger) |
| Peer percentile | 31st | 91st |
| Total assets | $443.8M | $120.0M |
| Deposits / shares | $379.3M | $102.4M |
| Capital ratio | 9.98% | 14.05% (stronger) |
| Problem loans | 1.41% | 0.73% (stronger) |
| Net charge-offs | 0.20% (stronger) | 0.66% |
| Return on assets | 2.08% (stronger) | 1.79% |
| Loans ÷ deposits | 54.1% (stronger) | 75.0% |
| Uninsured deposits | 51.9% | 5.2% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Estacado Federal Credit Union has the higher TellerScore (87 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The James Polk Stone Community Bank leads on 3 and Estacado Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.