Side-by-side · Q2 2026 data
Gulf Coast Educators Federal Credit Union vs Kbr Heritage Federal Credit Union
Credit union
Gulf Coast Educators Federal Credit Union
Pasadena, Texas · $1 billion – $10 billion
Credit union
Kbr Heritage Federal Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | Gulf Coast Educators Federal Credit Union | Kbr Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 70 | 87 (stronger) |
| Earnings | 56 | 77 (stronger) |
| Funding & liquidity | 59 | 87 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 82nd | 89th |
| Total assets | $1.3B | $76.4M |
| Deposits / shares | $1.1B | $58.8M |
| Capital ratio | 15.70% | 22.63% (stronger) |
| Problem loans | 0.90% | 0.39% (stronger) |
| Net charge-offs | 0.67% | 0.17% (stronger) |
| Return on assets | 0.91% | 1.42% (stronger) |
| Loans ÷ deposits | 81.9% | 73.6% (stronger) |
| Uninsured deposits | 32.5% | 4.6% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 28.6% |
Kbr Heritage Federal Credit Union has the higher TellerScore (90 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Gulf Coast Educators Federal Credit Union leads on 0 and Kbr Heritage Federal Credit Union on 7. 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.