Side-by-side · Q2 2026 data
Houston Bank & Trust vs Local 24 Employees Federal Credit Union
Credit union
Local 24 Employees Federal Credit Union
Pasadena, Texas · Under $100 million in assets
Metric by metric
| Measure | Houston Bank & Trust | Local 24 Employees Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 98 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 48th | 98th |
| Total assets | $38.5M | $13.6M |
| Deposits / shares | $2.6M | $10.7M |
| Capital ratio | 93.01% (stronger) | 21.01% |
| Problem loans | 0.00% (stronger) | 0.26% |
| Net charge-offs | 0.00% (stronger) | 1.20% |
| Return on assets | -53.11% | 2.15% (stronger) |
| Loans ÷ deposits | 23.6% (stronger) | 43.1% |
| Uninsured deposits | 79.8% | 1.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Local 24 Employees Federal Credit Union has the higher TellerScore (98 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Houston Bank & Trust leads on 4 and Local 24 Employees Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.