Side-by-side · Q2 2026 data
Heart O' Texas Federal Credit Union vs Educators 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 | Educators Credit Union |
|---|---|---|
| TellerScore | 49 | 99 (stronger) |
| Capital cushion | 24 | 100 (stronger) |
| Loan quality | 71 | 94 (stronger) |
| Earnings | 22 | 100 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 79 | 100 (stronger) |
| Peer percentile | 8th | 100th |
| Total assets | $54.6M | $609.5M |
| Deposits / shares | $50.3M | $484.8M |
| Capital ratio | 7.43% | 20.32% (stronger) |
| Problem loans | 0.86% | 0.17% (stronger) |
| Net charge-offs | 0.37% | 0.03% (stronger) |
| Return on assets | 0.05% | 2.30% (stronger) |
| Loans ÷ deposits | 80.2% | 28.4% (stronger) |
| Uninsured deposits | 3.6% (stronger) | 7.9% |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Educators Credit Union has the higher TellerScore (99 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 Educators 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.