Side-by-side · Q2 2026 data
First Financial Bank vs Hereford Texas Federal Credit Union
Metric by metric
| Measure | First Financial Bank | Hereford Texas Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 80 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 74 (stronger) | 70 |
| Earnings | 91 (stronger) | 49 |
| Funding & liquidity | 65 | 90 (stronger) |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 91st | 65th |
| Total assets | $15.2B | $77.3M |
| Deposits / shares | $13.3B | $59.6M |
| Capital ratio | 11.61% | 21.43% (stronger) |
| Problem loans | 0.77% (stronger) | 0.91% |
| Net charge-offs | -0.01% (stronger) | 0.34% |
| Return on assets | 1.77% (stronger) | 0.74% |
| Loans ÷ deposits | 62.1% (stronger) | 70.3% |
| Uninsured deposits | 44.7% | 7.5% (stronger) |
| Offices | 80 | 2 |
| CFPB complaints (3 yrs) | 26 | — |
| Complaints per $1B deposits | 2.0 | — |
| Mortgage denial rate (HMDA) | 12.6% | — |
Hereford Texas Federal Credit Union has the higher TellerScore (80 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First Financial Bank leads on 4 and Hereford Texas Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hereford, TX