Side-by-side · Q2 2026 data
Houston Federal Credit Union vs Texas Bay Credit Union
Metric by metric
| Measure | Houston Federal Credit Union | Texas Bay Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 53 |
| Capital cushion | 49 (stronger) | 25 |
| Loan quality | 84 (stronger) | 82 |
| Earnings | 37 (stronger) | 31 |
| Funding & liquidity | 98 (stronger) | 67 |
| Problem-loan coverage | 93 (stronger) | 87 |
| Peer percentile | 41st | 9th |
| Total assets | $952.0M | $905.0M |
| Deposits / shares | $850.3M | $763.5M |
| Capital ratio | 9.88% (stronger) | 7.49% |
| Problem loans | 0.49% (stronger) | 0.55% |
| Net charge-offs | 0.72% (stronger) | 1.07% |
| Return on assets | 0.43% (stronger) | 0.27% |
| Loans ÷ deposits | 62.6% (stronger) | 93.1% |
| Uninsured deposits | 9.5% | 8.0% (stronger) |
| Offices | 10 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.8% | — |
Houston Federal Credit Union has the higher TellerScore (67 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Houston Federal Credit Union leads on 6 and Texas Bay Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.