Side-by-side · Q2 2026 data
Beacon Federal Credit Union vs Harris County Federal Credit Union
Metric by metric
| Measure | Beacon Federal Credit Union | Harris County Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 84 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 86 (stronger) | 46 |
| Earnings | 31 | 93 (stronger) |
| Funding & liquidity | 100 (stronger) | 96 |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 29th | 86th |
| Total assets | $214.7M | $223.3M |
| Deposits / shares | $197.1M | $169.5M |
| Capital ratio | 8.74% | 22.91% (stronger) |
| Problem loans | 0.41% (stronger) | 1.62% |
| Net charge-offs | 0.44% (stronger) | 1.41% |
| Return on assets | 0.27% | 1.84% (stronger) |
| Loans ÷ deposits | 50.0% (stronger) | 64.6% |
| Uninsured deposits | 4.3% (stronger) | 7.2% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.7% | — |
Harris County Federal Credit Union has the higher TellerScore (84 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Beacon Federal Credit Union leads on 4 and Harris County Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.