Side-by-side · Q2 2026 data
Columbia Savings and Loan Association vs Kbr Heritage Federal Credit Union
Credit union
Kbr Heritage Federal Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | Columbia Savings and Loan Association | Kbr Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 13 | 90 (stronger) |
| Capital cushion | 5 | 100 (stronger) |
| Loan quality | 0 | 87 (stronger) |
| Earnings | 0 | 77 (stronger) |
| Funding & liquidity | 77 | 87 (stronger) |
| Problem-loan coverage | 0 | 98 (stronger) |
| Peer percentile | 0th | 89th |
| Total assets | $20.6M | $76.4M |
| Deposits / shares | $19.3M | $58.8M |
| Capital ratio | 5.46% | 22.63% (stronger) |
| Problem loans | 19.47% | 0.39% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.17% |
| Return on assets | -3.27% | 1.42% (stronger) |
| Loans ÷ deposits | 83.4% | 73.6% (stronger) |
| Uninsured deposits | 1.7% (stronger) | 4.6% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.6% |
Kbr Heritage Federal Credit Union has the higher TellerScore (90 vs 13). On the 7 directional measures above (where higher or lower is clearly better), Columbia Savings and Loan Association leads on 2 and Kbr Heritage Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.