Side-by-side · Q2 2026 data
West Texas National Bank vs Odessa Employees Credit Union
Metric by metric
| Measure | West Texas National Bank | Odessa Employees Credit Union |
|---|---|---|
| TellerScore | 60 | 89 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 44 | 100 (stronger) |
| Earnings | 84 (stronger) | 46 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 81 | 100 (stronger) |
| Peer percentile | 21st | 87th |
| Total assets | $2.9B | $21.0M |
| Deposits / shares | $2.6B | $17.5M |
| Capital ratio | 10.52% | 16.15% (stronger) |
| Problem loans | 1.67% | 0.00% (stronger) |
| Net charge-offs | 0.86% | -0.00% (stronger) |
| Return on assets | 1.59% (stronger) | 0.65% |
| Loans ÷ deposits | 57.4% (stronger) | 60.7% |
| Uninsured deposits | 64.1% | 0.0% (stronger) |
| Offices | 13 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.5% | — |
Odessa Employees Credit Union has the higher TellerScore (89 vs 60). On the 7 directional measures above (where higher or lower is clearly better), West Texas National Bank leads on 2 and Odessa Employees Credit Union on 5. 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.