Side-by-side · Q2 2026 data
East Texas Professional Credit Union vs United Heritage Credit Union
Credit union
East Texas Professional Credit Union
Longview, Texas · $1 billion – $10 billion
Metric by metric
| Measure | East Texas Professional Credit Union | United Heritage Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 56 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 86 (stronger) | 59 |
| Earnings | 91 (stronger) | 40 |
| Funding & liquidity | 75 (stronger) | 67 |
| Problem-loan coverage | 95 (stronger) | 81 |
| Peer percentile | 98th | 15th |
| Total assets | $1.4B | $1.7B |
| Deposits / shares | $1.2B | $1.3B |
| Capital ratio | 19.38% (stronger) | 9.87% |
| Problem loans | 0.41% (stronger) | 1.22% |
| Net charge-offs | 0.38% (stronger) | 0.44% |
| Return on assets | 1.78% (stronger) | 0.51% |
| Loans ÷ deposits | 84.9% (stronger) | 92.8% |
| Uninsured deposits | 2.1% (stronger) | 6.8% |
| Offices | 15 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.5% | 32.8% |
East Texas Professional Credit Union has the higher TellerScore (90 vs 56). On the 7 directional measures above (where higher or lower is clearly better), East Texas Professional Credit Union leads on 7 and United Heritage Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.