Side-by-side · Q2 2026 data
Jefferson Bank vs H E B Federal Credit Union
Metric by metric
| Measure | Jefferson Bank | H E B Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 86 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 75 | 94 (stronger) |
| Earnings | 64 (stronger) | 58 |
| Funding & liquidity | 39 | 72 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 24th | 89th |
| Total assets | $2.9B | $218.2M |
| Deposits / shares | $2.6B | $172.6M |
| Capital ratio | 9.81% | 18.31% (stronger) |
| Problem loans | 0.75% | 0.19% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.13% |
| Return on assets | 1.09% (stronger) | 0.95% |
| Loans ÷ deposits | 75.0% (stronger) | 88.1% |
| Uninsured deposits | 56.5% | 3.7% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | — |
H E B Federal Credit Union has the higher TellerScore (86 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Jefferson Bank leads on 3 and H E B Federal 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.