Side-by-side · Q2 2026 data
Highway District 21 Federal Credit Union vs Lubrizol Employees' Credit Union
Credit union
Highway District 21 Federal Credit Union
McAllen, Texas · Under $100 million in assets
Credit union
Lubrizol Employees' Credit Union
Deer Park, Texas · Under $100 million in assets
Metric by metric
| Measure | Highway District 21 Federal Credit Union | Lubrizol Employees' Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 85 |
| Earnings | 86 (stronger) | 52 |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 96th | 80th |
| Total assets | $51.6M | $51.2M |
| Deposits / shares | $39.4M | $41.3M |
| Capital ratio | 23.08% (stronger) | 18.78% |
| Problem loans | 0.23% (stronger) | 0.44% |
| Net charge-offs | 0.02% (stronger) | 0.42% |
| Return on assets | 1.66% (stronger) | 0.80% |
| Loans ÷ deposits | 53.1% (stronger) | 61.2% |
| Uninsured deposits | 12.3% | 10.8% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Highway District 21 Federal Credit Union has the higher TellerScore (95 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Highway District 21 Federal Credit Union leads on 6 and Lubrizol Employees' Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.