Side-by-side · Q2 2026 data
Houston Texas Fire Fighters Federal Credit Union vs U. S. Employees 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 | U. S. Employees Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 74 |
| Capital cushion | 90 (stronger) | 54 |
| Loan quality | 87 | 93 (stronger) |
| Earnings | 53 (stronger) | 49 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 86th | 49th |
| Total assets | $401.3M | $86.4M |
| Deposits / shares | $340.3M | $77.0M |
| Capital ratio | 14.02% (stronger) | 10.38% |
| Problem loans | 0.38% | 0.20% (stronger) |
| Net charge-offs | 0.25% (stronger) | 0.35% |
| Return on assets | 0.83% (stronger) | 0.72% |
| Loans ÷ deposits | 49.7% | 48.6% (stronger) |
| Uninsured deposits | 7.5% | 4.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Houston Texas Fire Fighters Federal Credit Union has the higher TellerScore (84 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Houston Texas Fire Fighters Federal Credit Union leads on 4 and U. S. Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.