Side-by-side · Q2 2026 data
Kbr Heritage Federal Credit Union vs Southern Federal 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 | Southern Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 70 |
| Capital cushion | 100 | 100 |
| Loan quality | 87 (stronger) | 30 |
| Earnings | 77 (stronger) | 48 |
| Funding & liquidity | 87 | 90 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 89th | 40th |
| Total assets | $76.4M | $76.4M |
| Deposits / shares | $58.8M | $42.3M |
| Capital ratio | 22.63% | 44.47% (stronger) |
| Problem loans | 0.39% (stronger) | 2.09% |
| Net charge-offs | 0.17% (stronger) | 3.46% |
| Return on assets | 1.42% (stronger) | 0.70% |
| Loans ÷ deposits | 73.6% | 70.7% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 6.7% |
| Offices | 2 | 1 |
| 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 5 and Southern Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.