Side-by-side · Q2 2026 data
Harris County Federal Credit Union vs Local 24 Employees Federal Credit Union
Credit union
Local 24 Employees Federal Credit Union
Pasadena, Texas · Under $100 million in assets
Metric by metric
| Measure | Harris County Federal Credit Union | Local 24 Employees Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 98 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 46 | 91 (stronger) |
| Earnings | 93 | 100 (stronger) |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 86th | 98th |
| Total assets | $223.3M | $13.6M |
| Deposits / shares | $169.5M | $10.7M |
| Capital ratio | 22.91% (stronger) | 21.01% |
| Problem loans | 1.62% | 0.26% (stronger) |
| Net charge-offs | 1.41% | 1.20% (stronger) |
| Return on assets | 1.84% | 2.15% (stronger) |
| Loans ÷ deposits | 64.6% | 43.1% (stronger) |
| Uninsured deposits | 7.2% | 1.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Local 24 Employees Federal Credit Union has the higher TellerScore (98 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Harris County Federal Credit Union leads on 1 and Local 24 Employees Federal Credit Union on 6. 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.