Side-by-side · Q2 2026 data
Yoakum Bank vs Sacred Heart Parish Hallettsville Federal Credit Union
Credit union
Sacred Heart Parish Hallettsville Federal Credit Union
Hallettsville, Texas · Under $100 million in assets
Metric by metric
| Measure | Yoakum Bank | Sacred Heart Parish Hallettsville Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 70 |
| Capital cushion | 44 | 48 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 73 (stronger) | 27 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 53rd | 40th |
| Total assets | $385.8M | $64.6M |
| Deposits / shares | $350.4M | $58.0M |
| Capital ratio | 9.43% | 9.80% (stronger) |
| Problem loans | 0.19% | 0.01% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.39% |
| Return on assets | 1.31% (stronger) | 0.17% |
| Loans ÷ deposits | 63.4% | 53.4% (stronger) |
| Uninsured deposits | 29.3% | 5.8% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | — |
Yoakum Bank has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Yoakum Bank leads on 3 and Sacred Heart Parish Hallettsville Federal Credit Union on 4. 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.