Side-by-side · Q2 2026 data
Houston Belt & Terminal Federal Credit Union vs Kbr Heritage Federal Credit Union
Credit union
Houston Belt & Terminal Federal Credit Union
Humble, Texas · Under $100 million in assets
Credit union
Kbr Heritage Federal Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | Houston Belt & Terminal Federal Credit Union | Kbr Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 87 (stronger) |
| Earnings | 78 (stronger) | 77 |
| Funding & liquidity | 50 | 87 (stronger) |
| Problem-loan coverage | 70 | 98 (stronger) |
| Peer percentile | 22nd | 89th |
| Total assets | $3.8M | $76.4M |
| Deposits / shares | $2.2M | $58.8M |
| Capital ratio | 40.46% (stronger) | 22.63% |
| Problem loans | 9.37% | 0.39% (stronger) |
| Net charge-offs | 0.15% (stronger) | 0.17% |
| Return on assets | 1.44% (stronger) | 1.42% |
| Loans ÷ deposits | 114.1% | 73.6% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 4.6% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.6% |
Kbr Heritage Federal Credit Union has the higher TellerScore (90 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Houston Belt & Terminal Federal Credit Union leads on 4 and Kbr Heritage Federal Credit Union on 3. 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.