Side-by-side · Q2 2026 data
Credit Human Federal Credit Union vs Texas Dow Employees 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 | Texas Dow Employees Credit Union |
|---|---|---|
| TellerScore | 43 | 49 (stronger) |
| Capital cushion | 23 | 52 (stronger) |
| Loan quality | 64 (stronger) | 41 |
| Earnings | 24 | 41 (stronger) |
| Funding & liquidity | 52 | 52 |
| Problem-loan coverage | 71 (stronger) | 67 |
| Peer percentile | 2nd | 5th |
| Total assets | $4.3B | $5.0B |
| Deposits / shares | $3.6B | $4.0B |
| Capital ratio | 7.35% | 10.17% (stronger) |
| Problem loans | 1.09% (stronger) | 1.77% |
| Net charge-offs | 0.70% (stronger) | 0.96% |
| Return on assets | 0.11% | 0.52% (stronger) |
| Loans ÷ deposits | 108.0% (stronger) | 108.3% |
| Uninsured deposits | 6.6% | 4.9% (stronger) |
| Offices | 25 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 74.7% | 15.2% |
Texas Dow Employees Credit Union has the higher TellerScore (49 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Credit Human Federal Credit Union leads on 3 and Texas Dow Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.