Side-by-side · Q2 2026 data
Houston Texas Fire Fighters Federal Credit Union vs Light Commerce Credit Union
Credit union
Houston Texas Fire Fighters Federal Credit Union
Houston, Texas · $100 million – $1 billion
Metric by metric
| Measure | Houston Texas Fire Fighters Federal Credit Union | Light Commerce Credit Union |
|---|---|---|
| TellerScore | 84 | 92 (stronger) |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 87 (stronger) | 69 |
| Earnings | 53 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 98 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 86th | 92nd |
| Total assets | $401.3M | $5.0M |
| Deposits / shares | $340.3M | $3.6M |
| Capital ratio | 14.02% | 26.81% (stronger) |
| Problem loans | 0.38% (stronger) | 0.93% |
| Net charge-offs | 0.25% (stronger) | 0.57% |
| Return on assets | 0.83% | 2.37% (stronger) |
| Loans ÷ deposits | 49.7% (stronger) | 62.1% |
| Uninsured deposits | 7.5% | 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 84). On the 7 directional measures above (where higher or lower is clearly better), Houston Texas Fire Fighters Federal Credit Union leads on 3 and Light Commerce 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.