Side-by-side · Q2 2026 data
Herring Bank vs Texas Plains Federal Credit Union
Metric by metric
| Measure | Herring Bank | Texas Plains Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 77 (stronger) |
| Capital cushion | 72 | 93 (stronger) |
| Loan quality | 82 (stronger) | 74 |
| Earnings | 26 | 50 (stronger) |
| Funding & liquidity | 67 | 77 (stronger) |
| Problem-loan coverage | 91 | 91 |
| Peer percentile | 31st | 57th |
| Total assets | $540.5M | $71.2M |
| Deposits / shares | $477.0M | $60.3M |
| Capital ratio | 12.20% | 14.25% (stronger) |
| Problem loans | 0.55% (stronger) | 0.78% |
| Net charge-offs | 0.32% (stronger) | 1.00% |
| Return on assets | 0.15% | 0.76% (stronger) |
| Loans ÷ deposits | 76.7% (stronger) | 83.0% |
| Uninsured deposits | 30.5% | 3.3% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.0% | — |
Texas Plains Federal Credit Union has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Herring Bank leads on 3 and Texas Plains Federal Credit Union on 4. 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.