Side-by-side · Q2 2026 data
Heart O' Texas Federal Credit Union vs Baptist Credit Union
Credit union
Heart O' Texas Federal Credit Union
Waco, Texas · Under $100 million in assets
Metric by metric
| Measure | Heart O' Texas Federal Credit Union | Baptist Credit Union |
|---|---|---|
| TellerScore | 49 | 63 (stronger) |
| Capital cushion | 24 | 37 (stronger) |
| Loan quality | 71 | 95 (stronger) |
| Earnings | 22 | 31 (stronger) |
| Funding & liquidity | 80 (stronger) | 79 |
| Problem-loan coverage | 79 | 97 (stronger) |
| Peer percentile | 8th | 26th |
| Total assets | $54.6M | $54.7M |
| Deposits / shares | $50.3M | $49.7M |
| Capital ratio | 7.43% | 8.72% (stronger) |
| Problem loans | 0.86% | 0.15% (stronger) |
| Net charge-offs | 0.37% | 0.24% (stronger) |
| Return on assets | 0.05% | 0.28% (stronger) |
| Loans ÷ deposits | 80.2% (stronger) | 81.7% |
| Uninsured deposits | 3.6% | 0.0% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Baptist Credit Union has the higher TellerScore (63 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Heart O' Texas Federal Credit Union leads on 1 and Baptist Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.