Side-by-side · Q2 2026 data
Hereford Texas Federal Credit Union vs Kbr Heritage Federal Credit Union
Credit union
Kbr Heritage Federal Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | Hereford Texas Federal Credit Union | Kbr Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 70 | 87 (stronger) |
| Earnings | 49 | 77 (stronger) |
| Funding & liquidity | 90 (stronger) | 87 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 65th | 89th |
| Total assets | $77.3M | $76.4M |
| Deposits / shares | $59.6M | $58.8M |
| Capital ratio | 21.43% | 22.63% (stronger) |
| Problem loans | 0.91% | 0.39% (stronger) |
| Net charge-offs | 0.34% | 0.17% (stronger) |
| Return on assets | 0.74% | 1.42% (stronger) |
| Loans ÷ deposits | 70.3% (stronger) | 73.6% |
| Uninsured deposits | 7.5% | 4.6% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.6% |
Kbr Heritage Federal Credit Union has the higher TellerScore (90 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Hereford Texas Federal Credit Union leads on 1 and Kbr Heritage Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.