Side-by-side · Q2 2026 data
First National Bank of Hereford vs Friona Texas Federal Credit Union
Credit union
Friona Texas Federal Credit Union
Friona, Texas · Under $100 million in assets
Metric by metric
| Measure | First National Bank of Hereford | Friona Texas Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 49 |
| Capital cushion | 73 | 97 (stronger) |
| Loan quality | 98 (stronger) | 0 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 44 |
| Peer percentile | 86th | 8th |
| Total assets | $344.6M | $14.1M |
| Deposits / shares | $294.4M | $12.0M |
| Capital ratio | 12.32% | 14.70% (stronger) |
| Problem loans | 0.05% (stronger) | 12.40% |
| Net charge-offs | 0.00% (stronger) | 0.79% |
| Return on assets | 2.20% (stronger) | -3.03% |
| Loans ÷ deposits | 99.8% | 39.2% (stronger) |
| Uninsured deposits | 22.8% | 0.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
First National Bank of Hereford has the higher TellerScore (84 vs 49). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Hereford leads on 4 and Friona 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
- Friona, TX