Side-by-side · Q2 2026 data
Houston Federal Credit Union vs Southwest Airlines Federal Credit Union
Credit union
Southwest Airlines Federal Credit Union
Dallas, Texas · $100 million – $1 billion
Metric by metric
| Measure | Houston Federal Credit Union | Southwest Airlines Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 69 (stronger) |
| Capital cushion | 49 | 65 (stronger) |
| Loan quality | 84 (stronger) | 80 |
| Earnings | 37 | 40 (stronger) |
| Funding & liquidity | 98 (stronger) | 82 |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 41st | 48th |
| Total assets | $952.0M | $860.9M |
| Deposits / shares | $850.3M | $754.8M |
| Capital ratio | 9.88% | 11.49% (stronger) |
| Problem loans | 0.49% (stronger) | 0.59% |
| Net charge-offs | 0.72% (stronger) | 0.90% |
| Return on assets | 0.43% | 0.50% (stronger) |
| Loans ÷ deposits | 62.6% (stronger) | 78.1% |
| Uninsured deposits | 9.5% | 7.1% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.8% | 32.2% |
Southwest Airlines Federal Credit Union has the higher TellerScore (69 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Houston Federal Credit Union leads on 3 and Southwest Airlines Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.