Side-by-side · Q2 2026 data
West Texas State Bank vs Scurry County School Federal Credit Union
Credit union
Scurry County School Federal Credit Union
Snyder, Texas · Under $100 million in assets
Metric by metric
| Measure | West Texas State Bank | Scurry County School Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 71 (stronger) |
| Capital cushion | 55 | 89 (stronger) |
| Loan quality | 41 | 82 (stronger) |
| Earnings | 92 (stronger) | 0 |
| Funding & liquidity | 57 | 96 (stronger) |
| Problem-loan coverage | 65 | 96 (stronger) |
| Peer percentile | 19th | 42nd |
| Total assets | $443.7M | $13.2M |
| Deposits / shares | $396.5M | $11.4M |
| Capital ratio | 10.49% | 13.89% (stronger) |
| Problem loans | 1.77% | 0.53% (stronger) |
| Net charge-offs | 0.03% | -0.24% (stronger) |
| Return on assets | 1.81% (stronger) | -4.83% |
| Loans ÷ deposits | 75.2% | 63.9% (stronger) |
| Uninsured deposits | 40.7% | 14.9% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Scurry County School Federal Credit Union has the higher TellerScore (71 vs 60). On the 7 directional measures above (where higher or lower is clearly better), West Texas State Bank leads on 1 and Scurry County School Federal Credit Union on 6. 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.
Where both have branches
- Snyder, TX