Side-by-side · Q2 2026 data
Credit Human Federal Credit Union vs First Community Credit Union
Credit union
Credit Human Federal Credit Union
San Antonio, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Credit Human Federal Credit Union | First Community Credit Union |
|---|---|---|
| TellerScore | 43 | 58 (stronger) |
| Capital cushion | 23 | 30 (stronger) |
| Loan quality | 64 | 87 (stronger) |
| Earnings | 24 | 54 (stronger) |
| Funding & liquidity | 52 (stronger) | 50 |
| Problem-loan coverage | 71 | 90 (stronger) |
| Peer percentile | 2nd | 19th |
| Total assets | $4.3B | $3.1B |
| Deposits / shares | $3.6B | $2.0B |
| Capital ratio | 7.35% | 7.98% (stronger) |
| Problem loans | 1.09% | 0.39% (stronger) |
| Net charge-offs | 0.70% | 0.49% (stronger) |
| Return on assets | 0.11% | 0.85% (stronger) |
| Loans ÷ deposits | 108.0% (stronger) | 118.4% |
| Uninsured deposits | 6.6% (stronger) | 9.9% |
| Offices | 25 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 74.7% | — |
First Community Credit Union has the higher TellerScore (58 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Credit Human Federal Credit Union leads on 2 and First Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.