Side-by-side · Q2 2026 data
Hereford Texas Federal Credit Union vs Friona Texas Federal Credit Union
Credit union
Friona Texas Federal Credit Union
Friona, Texas · Under $100 million in assets
Metric by metric
| Measure | Hereford Texas Federal Credit Union | Friona Texas Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 49 |
| Capital cushion | 100 (stronger) | 97 |
| Loan quality | 70 (stronger) | 0 |
| Earnings | 49 (stronger) | 0 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 44 |
| Peer percentile | 65th | 8th |
| Total assets | $77.3M | $14.1M |
| Deposits / shares | $59.6M | $12.0M |
| Capital ratio | 21.43% (stronger) | 14.70% |
| Problem loans | 0.91% (stronger) | 12.40% |
| Net charge-offs | 0.34% (stronger) | 0.79% |
| Return on assets | 0.74% (stronger) | -3.03% |
| Loans ÷ deposits | 70.3% | 39.2% (stronger) |
| Uninsured deposits | 7.5% | 0.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hereford Texas Federal Credit Union has the higher TellerScore (80 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Hereford Texas Federal Credit Union leads on 5 and Friona Texas Federal Credit Union on 2. 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.