Side-by-side · Q2 2026 data
Bank of Texas vs Southwest Heritage Credit Union
Metric by metric
| Measure | Bank of Texas | Southwest Heritage Credit Union |
|---|---|---|
| TellerScore | 75 | 83 (stronger) |
| Capital cushion | 80 | 83 (stronger) |
| Loan quality | 84 | 93 (stronger) |
| Earnings | 86 (stronger) | 68 |
| Funding & liquidity | 25 | 77 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 61st | 83rd |
| Total assets | $543.6M | $260.9M |
| Deposits / shares | $451.2M | $225.0M |
| Capital ratio | 13.01% | 13.27% (stronger) |
| Problem loans | 0.48% | 0.20% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.19% |
| Return on assets | 1.65% (stronger) | 1.20% |
| Loans ÷ deposits | 85.4% | 70.2% (stronger) |
| Uninsured deposits | 70.3% | 27.1% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southwest Heritage Credit Union has the higher TellerScore (83 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Bank of Texas leads on 2 and Southwest Heritage Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.