Side-by-side · Q2 2026 data
Kbr Heritage Federal Credit Union vs Guardian Credit Union
Credit union
Kbr Heritage Federal Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | Kbr Heritage Federal Credit Union | Guardian Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 87 (stronger) | 86 |
| Earnings | 77 (stronger) | 40 |
| Funding & liquidity | 87 | 99 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 89th | 51st |
| Total assets | $76.4M | $294.2M |
| Deposits / shares | $58.8M | $259.3M |
| Capital ratio | 22.63% (stronger) | 10.35% |
| Problem loans | 0.39% (stronger) | 0.42% |
| Net charge-offs | 0.17% (stronger) | 0.35% |
| Return on assets | 1.42% (stronger) | 0.50% |
| Loans ÷ deposits | 73.6% | 60.8% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 5.5% |
| Offices | 2 | 7 |
| 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 70). On the 7 directional measures above (where higher or lower is clearly better), Kbr Heritage Federal Credit Union leads on 6 and Guardian Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.