Side-by-side · Q2 2026 data
Houston Federal Credit Union vs Intouch Credit Union
Metric by metric
| Measure | Houston Federal Credit Union | Intouch Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 55 |
| Capital cushion | 49 (stronger) | 39 |
| Loan quality | 84 (stronger) | 54 |
| Earnings | 37 | 59 (stronger) |
| Funding & liquidity | 98 (stronger) | 71 |
| Problem-loan coverage | 93 (stronger) | 75 |
| Peer percentile | 41st | 12th |
| Total assets | $952.0M | $837.4M |
| Deposits / shares | $850.3M | $744.2M |
| Capital ratio | 9.88% (stronger) | 8.95% |
| Problem loans | 0.49% (stronger) | 1.38% |
| Net charge-offs | 0.72% | 0.61% (stronger) |
| Return on assets | 0.43% | 0.97% (stronger) |
| Loans ÷ deposits | 62.6% (stronger) | 88.9% |
| Uninsured deposits | 9.5% | 7.5% (stronger) |
| Offices | 10 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.8% | 36.6% |
Houston Federal Credit Union has the higher TellerScore (67 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Houston Federal Credit Union leads on 4 and Intouch Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.