Side-by-side · Q2 2026 data
Highway District 21 Federal Credit Union vs Security First Federal Credit Union
Credit union
Highway District 21 Federal Credit Union
McAllen, Texas · Under $100 million in assets
Metric by metric
| Measure | Highway District 21 Federal Credit Union | Security First Federal Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 92 (stronger) | 56 |
| Earnings | 86 (stronger) | 70 |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 99 (stronger) | 83 |
| Peer percentile | 96th | 45th |
| Total assets | $51.6M | $516.6M |
| Deposits / shares | $39.4M | $449.1M |
| Capital ratio | 23.08% (stronger) | 11.87% |
| Problem loans | 0.23% (stronger) | 1.32% |
| Net charge-offs | 0.02% (stronger) | 0.55% |
| Return on assets | 1.66% (stronger) | 1.26% |
| Loans ÷ deposits | 53.1% (stronger) | 87.5% |
| Uninsured deposits | 12.3% | 5.6% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 45.8% |
Highway District 21 Federal Credit Union has the higher TellerScore (95 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Highway District 21 Federal Credit Union leads on 6 and Security First Federal Credit Union on 1. 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.