Side-by-side · Q2 2026 data
First National Bank of Hereford vs Education Credit Union
Metric by metric
| Measure | First National Bank of Hereford | Education Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 70 |
| Capital cushion | 73 | 76 (stronger) |
| Loan quality | 98 (stronger) | 79 |
| Earnings | 100 (stronger) | 41 |
| Funding & liquidity | 52 | 66 (stronger) |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 86th | 51st |
| Total assets | $344.6M | $469.2M |
| Deposits / shares | $294.4M | $404.3M |
| Capital ratio | 12.32% | 12.63% (stronger) |
| Problem loans | 0.05% (stronger) | 0.64% |
| Net charge-offs | 0.00% (stronger) | 0.88% |
| Return on assets | 2.20% (stronger) | 0.53% |
| Loans ÷ deposits | 99.8% | 94.6% (stronger) |
| Uninsured deposits | 22.8% | 5.5% (stronger) |
| Offices | 4 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 1.8% |
First National Bank of Hereford has the higher TellerScore (84 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Hereford leads on 4 and Education Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.