Side-by-side · Q2 2026 data
Heart O' Texas Federal Credit Union vs My 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 | My Credit Union |
|---|---|---|
| TellerScore | 49 | 74 (stronger) |
| Capital cushion | 24 | 78 (stronger) |
| Loan quality | 71 (stronger) | 66 |
| Earnings | 22 | 51 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 79 | 92 (stronger) |
| Peer percentile | 8th | 49th |
| Total assets | $54.6M | $58.2M |
| Deposits / shares | $50.3M | $50.4M |
| Capital ratio | 7.43% | 12.78% (stronger) |
| Problem loans | 0.86% (stronger) | 1.02% |
| Net charge-offs | 0.37% | 0.08% (stronger) |
| Return on assets | 0.05% | 0.76% (stronger) |
| Loans ÷ deposits | 80.2% | 58.1% (stronger) |
| Uninsured deposits | 3.6% | 1.1% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
My Credit Union has the higher TellerScore (74 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 My Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.