Side-by-side · Q2 2026 data
Harris County Federal Credit Union vs Capitol Credit Union
Metric by metric
| Measure | Harris County Federal Credit Union | Capitol Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 70 |
| Loan quality | 46 | 93 (stronger) |
| Earnings | 93 (stronger) | 30 |
| Funding & liquidity | 96 (stronger) | 75 |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 86th | 54th |
| Total assets | $223.3M | $233.9M |
| Deposits / shares | $169.5M | $203.6M |
| Capital ratio | 22.91% (stronger) | 11.98% |
| Problem loans | 1.62% | 0.20% (stronger) |
| Net charge-offs | 1.41% | 0.21% (stronger) |
| Return on assets | 1.84% (stronger) | 0.25% |
| Loans ÷ deposits | 64.6% (stronger) | 85.3% |
| Uninsured deposits | 7.2% (stronger) | 8.7% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.3% |
Harris County Federal Credit Union has the higher TellerScore (84 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Harris County Federal Credit Union leads on 5 and Capitol Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.