Side-by-side · Q2 2026 data
Hereford Texas Federal Credit Union vs Freestone Credit Union
Metric by metric
| Measure | Hereford Texas Federal Credit Union | Freestone Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 70 | 97 (stronger) |
| Earnings | 49 (stronger) | 41 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 65th | 47th |
| Total assets | $77.3M | $77.3M |
| Deposits / shares | $59.6M | $67.8M |
| Capital ratio | 21.43% (stronger) | 10.32% |
| Problem loans | 0.91% | 0.10% (stronger) |
| Net charge-offs | 0.34% | 0.14% (stronger) |
| Return on assets | 0.74% (stronger) | 0.54% |
| Loans ÷ deposits | 70.3% | 55.9% (stronger) |
| Uninsured deposits | 7.5% | 5.7% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hereford Texas Federal Credit Union has the higher TellerScore (80 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Hereford Texas Federal Credit Union leads on 3 and Freestone Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.