Side-by-side · Q2 2026 data
Kbr Heritage Federal Credit Union vs Schlumberger Employees Credit Union
Credit union
Kbr Heritage Federal Credit Union
Houston, Texas · Under $100 million in assets
Credit union
Schlumberger Employees Credit Union
Sugar Land, Texas · $100 million – $1 billion
Metric by metric
| Measure | Kbr Heritage Federal Credit Union | Schlumberger Employees Credit Union |
|---|---|---|
| TellerScore | 90 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 87 (stronger) | 81 |
| Earnings | 77 | 93 (stronger) |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 89th | 98th |
| Total assets | $76.4M | $935.8M |
| Deposits / shares | $58.8M | $698.6M |
| Capital ratio | 22.63% | 25.28% (stronger) |
| Problem loans | 0.39% (stronger) | 0.57% |
| Net charge-offs | 0.17% (stronger) | 0.23% |
| Return on assets | 1.42% | 1.81% (stronger) |
| Loans ÷ deposits | 73.6% | 39.5% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 12.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.6% | 0.0% |
Schlumberger Employees Credit Union has the higher TellerScore (94 vs 90). On the 7 directional measures above (where higher or lower is clearly better), Kbr Heritage Federal Credit Union leads on 3 and Schlumberger Employees 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.