Side-by-side · Q2 2026 data
Hereford Texas Federal Credit Union vs Southern Federal Credit Union
Metric by metric
| Measure | Hereford Texas Federal Credit Union | Southern Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 70 |
| Capital cushion | 100 | 100 |
| Loan quality | 70 (stronger) | 30 |
| Earnings | 49 (stronger) | 48 |
| Funding & liquidity | 90 | 90 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 65th | 40th |
| Total assets | $77.3M | $76.4M |
| Deposits / shares | $59.6M | $42.3M |
| Capital ratio | 21.43% | 44.47% (stronger) |
| Problem loans | 0.91% (stronger) | 2.09% |
| Net charge-offs | 0.34% (stronger) | 3.46% |
| Return on assets | 0.74% (stronger) | 0.70% |
| Loans ÷ deposits | 70.3% (stronger) | 70.7% |
| Uninsured deposits | 7.5% | 6.7% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hereford Texas Federal Credit Union has the higher TellerScore (80 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Hereford Texas Federal Credit Union leads on 5 and Southern Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.