Side-by-side · Q2 2026 data
Harris County Federal Credit Union vs Santa Fe Federal Credit Union
Metric by metric
| Measure | Harris County Federal Credit Union | Santa Fe Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 46 | 84 (stronger) |
| Earnings | 93 (stronger) | 28 |
| Funding & liquidity | 96 (stronger) | 87 |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 86th | 60th |
| Total assets | $223.3M | $214.8M |
| Deposits / shares | $169.5M | $184.2M |
| Capital ratio | 22.91% (stronger) | 12.90% |
| Problem loans | 1.62% | 0.48% (stronger) |
| Net charge-offs | 1.41% | 1.05% (stronger) |
| Return on assets | 1.84% (stronger) | 0.20% |
| Loans ÷ deposits | 64.6% (stronger) | 73.1% |
| Uninsured deposits | 7.2% (stronger) | 8.6% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Harris County Federal Credit Union has the higher TellerScore (84 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Harris County Federal Credit Union leads on 5 and Santa Fe Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.