Side-by-side · Q2 2026 data
Kbr Heritage Federal Credit Union vs 1st Class Express Credit Union
Credit union
Kbr Heritage Federal Credit Union
Houston, Texas · Under $100 million in assets
Credit union
1st Class Express Credit Union
Waukesha, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Kbr Heritage Federal Credit Union | 1st Class Express Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 87 | 90 (stronger) |
| Earnings | 77 (stronger) | 64 |
| Funding & liquidity | 87 (stronger) | 70 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 89th | 80th |
| Total assets | $76.4M | $2.1M |
| Deposits / shares | $58.8M | $1.6M |
| Capital ratio | 22.63% | 22.89% (stronger) |
| Problem loans | 0.39% | 0.30% (stronger) |
| Net charge-offs | 0.17% | -5.46% (stronger) |
| Return on assets | 1.42% (stronger) | 1.10% |
| Loans ÷ deposits | 73.6% (stronger) | 90.7% |
| Uninsured deposits | 4.6% | 0.0% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.6% | — |
Kbr Heritage Federal Credit Union has the higher TellerScore (90 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Kbr Heritage Federal Credit Union leads on 3 and 1st Class Express 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.