Side-by-side · Q2 2026 data
First National Bank Texas vs Hereford Texas Federal Credit Union
Metric by metric
| Measure | First National Bank Texas | Hereford Texas Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 80 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 59 | 70 (stronger) |
| Earnings | 69 (stronger) | 49 |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 83 | 95 (stronger) |
| Peer percentile | 33rd | 65th |
| Total assets | $4.6B | $77.3M |
| Deposits / shares | $4.1B | $59.6M |
| Capital ratio | 9.12% | 21.43% (stronger) |
| Problem loans | 1.23% | 0.91% (stronger) |
| Net charge-offs | 0.84% | 0.34% (stronger) |
| Return on assets | 1.21% (stronger) | 0.74% |
| Loans ÷ deposits | 55.1% (stronger) | 70.3% |
| Uninsured deposits | 8.5% | 7.5% (stronger) |
| Offices | 355 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Hereford Texas Federal Credit Union has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First National Bank Texas leads on 2 and Hereford Texas Federal Credit Union on 5. 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