Side-by-side · Q2 2026 data
H E B Federal Credit Union vs Access Community Credit Union
Metric by metric
| Measure | H E B Federal Credit Union | Access Community Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 94 (stronger) | 91 |
| Earnings | 58 (stronger) | 47 |
| Funding & liquidity | 72 (stronger) | 50 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 89th | 37th |
| Total assets | $218.2M | $210.9M |
| Deposits / shares | $172.6M | $160.7M |
| Capital ratio | 18.31% (stronger) | 10.55% |
| Problem loans | 0.19% (stronger) | 0.27% |
| Net charge-offs | 0.13% | 0.12% (stronger) |
| Return on assets | 0.95% (stronger) | 0.68% |
| Loans ÷ deposits | 88.1% (stronger) | 116.7% |
| Uninsured deposits | 3.7% (stronger) | 8.5% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.5% |
H E B Federal Credit Union has the higher TellerScore (86 vs 66). On the 7 directional measures above (where higher or lower is clearly better), H E B Federal Credit Union leads on 6 and Access Community Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.