Side-by-side · Q2 2026 data
FirstBank Southwest vs Hereford Texas Federal Credit Union
Metric by metric
| Measure | FirstBank Southwest | Hereford Texas Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 80 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 86 (stronger) | 70 |
| Earnings | 73 (stronger) | 49 |
| Funding & liquidity | 61 | 90 (stronger) |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 70th | 65th |
| Total assets | $1.9B | $77.3M |
| Deposits / shares | $1.7B | $59.6M |
| Capital ratio | 11.16% | 21.43% (stronger) |
| Problem loans | 0.41% (stronger) | 0.91% |
| Net charge-offs | 0.13% (stronger) | 0.34% |
| Return on assets | 1.32% (stronger) | 0.74% |
| Loans ÷ deposits | 78.0% | 70.3% (stronger) |
| Uninsured deposits | 34.1% | 7.5% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hereford Texas Federal Credit Union has the higher TellerScore (80 vs 73). On the 7 directional measures above (where higher or lower is clearly better), FirstBank Southwest leads on 3 and Hereford Texas Federal Credit Union on 4. 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