Side-by-side · Q2 2026 data
Houston Police Federal Credit Union vs U. S. Employees Credit Union
Metric by metric
| Measure | Houston Police Federal Credit Union | U. S. Employees Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 77 | 93 (stronger) |
| Earnings | 65 (stronger) | 49 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 96th | 49th |
| Total assets | $1.0B | $86.4M |
| Deposits / shares | $879.8M | $77.0M |
| Capital ratio | 16.42% (stronger) | 10.38% |
| Problem loans | 0.70% | 0.20% (stronger) |
| Net charge-offs | 0.96% | 0.35% (stronger) |
| Return on assets | 1.12% (stronger) | 0.72% |
| Loans ÷ deposits | 53.5% | 48.6% (stronger) |
| Uninsured deposits | 4.3% | 4.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Houston Police Federal Credit Union has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Houston Police Federal Credit Union leads on 3 and U. S. Employees Credit Union on 4. 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.