Side-by-side · Q2 2026 data
Houston Police Federal Credit Union vs Light Commerce Credit Union
Metric by metric
| Measure | Houston Police Federal Credit Union | Light Commerce Credit Union |
|---|---|---|
| TellerScore | 87 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 77 (stronger) | 69 |
| Earnings | 65 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 96th | 92nd |
| Total assets | $1.0B | $5.0M |
| Deposits / shares | $879.8M | $3.6M |
| Capital ratio | 16.42% | 26.81% (stronger) |
| Problem loans | 0.70% (stronger) | 0.93% |
| Net charge-offs | 0.96% | 0.57% (stronger) |
| Return on assets | 1.12% | 2.37% (stronger) |
| Loans ÷ deposits | 53.5% (stronger) | 62.1% |
| Uninsured deposits | 4.3% | 0.4% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Light Commerce Credit Union has the higher TellerScore (92 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Houston Police Federal Credit Union leads on 2 and Light Commerce Credit Union on 5. 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.