Side-by-side · Q2 2026 data
Greater Texas Federal Credit Union vs Houston Federal Credit Union
Credit union
Greater Texas Federal Credit Union
Austin, Texas · $100 million – $1 billion
Metric by metric
| Measure | Greater Texas Federal Credit Union | Houston Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 67 (stronger) |
| Capital cushion | 23 | 49 (stronger) |
| Loan quality | 82 | 84 (stronger) |
| Earnings | 37 | 37 |
| Funding & liquidity | 71 | 98 (stronger) |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 10th | 41st |
| Total assets | $995.4M | $952.0M |
| Deposits / shares | $906.8M | $850.3M |
| Capital ratio | 7.25% | 9.88% (stronger) |
| Problem loans | 0.53% | 0.49% (stronger) |
| Net charge-offs | 0.58% (stronger) | 0.72% |
| Return on assets | 0.44% (stronger) | 0.43% |
| Loans ÷ deposits | 89.3% | 62.6% (stronger) |
| Uninsured deposits | 7.6% (stronger) | 9.5% |
| Offices | 8 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 59.8% | 31.8% |
Houston Federal Credit Union has the higher TellerScore (67 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Greater Texas Federal Credit Union leads on 3 and Houston Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.