Side-by-side · Q2 2026 data
H E B Federal Credit Union vs Baptist Credit Union
Metric by metric
| Measure | H E B Federal Credit Union | Baptist Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 37 |
| Loan quality | 94 | 95 (stronger) |
| Earnings | 58 (stronger) | 31 |
| Funding & liquidity | 72 | 79 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 89th | 26th |
| Total assets | $218.2M | $54.7M |
| Deposits / shares | $172.6M | $49.7M |
| Capital ratio | 18.31% (stronger) | 8.72% |
| Problem loans | 0.19% | 0.15% (stronger) |
| Net charge-offs | 0.13% (stronger) | 0.24% |
| Return on assets | 0.95% (stronger) | 0.28% |
| Loans ÷ deposits | 88.1% | 81.7% (stronger) |
| Uninsured deposits | 3.7% | 0.0% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
H E B Federal Credit Union has the higher TellerScore (86 vs 63). On the 7 directional measures above (where higher or lower is clearly better), H E B Federal Credit Union leads on 4 and Baptist Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.