Side-by-side · Q2 2026 data
First National Bank of Hereford vs Acfcu Federal Credit Union
Metric by metric
| Measure | First National Bank of Hereford | Acfcu Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 57 |
| Capital cushion | 73 (stronger) | 36 |
| Loan quality | 98 (stronger) | 65 |
| Earnings | 100 (stronger) | 43 |
| Funding & liquidity | 52 | 92 (stronger) |
| Problem-loan coverage | 99 (stronger) | 80 |
| Peer percentile | 86th | 14th |
| Total assets | $344.6M | $319.0M |
| Deposits / shares | $294.4M | $296.7M |
| Capital ratio | 12.32% (stronger) | 8.59% |
| Problem loans | 0.05% (stronger) | 1.06% |
| Net charge-offs | 0.00% (stronger) | 0.33% |
| Return on assets | 2.20% (stronger) | 0.56% |
| Loans ÷ deposits | 99.8% | 68.0% (stronger) |
| Uninsured deposits | 22.8% | 7.9% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 19.5% |
First National Bank of Hereford has the higher TellerScore (84 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Hereford leads on 5 and Acfcu Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.