Side-by-side · Q2 2026 data
West Texas Credit Union vs Scott and White Employees Credit Union
Credit union
Scott and White Employees Credit Union
Temple, Texas · Under $100 million in assets
Metric by metric
| Measure | West Texas Credit Union | Scott and White Employees Credit Union |
|---|---|---|
| TellerScore | 58 | 92 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 64 | 75 (stronger) |
| Earnings | 24 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 88 | 95 (stronger) |
| Peer percentile | 19th | 92nd |
| Total assets | $70.3M | $71.7M |
| Deposits / shares | $63.1M | $57.6M |
| Capital ratio | 9.30% | 18.49% (stronger) |
| Problem loans | 1.07% | 0.75% (stronger) |
| Net charge-offs | 0.27% | 0.14% (stronger) |
| Return on assets | 0.11% | 2.26% (stronger) |
| Loans ÷ deposits | 60.2% (stronger) | 70.4% |
| Uninsured deposits | 7.6% | 0.8% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Scott and White Employees Credit Union has the higher TellerScore (92 vs 58). On the 7 directional measures above (where higher or lower is clearly better), West Texas Credit Union leads on 1 and Scott and White Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.