Side-by-side · Q2 2026 data
Kbr Heritage Federal Credit Union vs Texas Bay 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 | Texas Bay Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 53 |
| Capital cushion | 100 (stronger) | 25 |
| Loan quality | 87 (stronger) | 82 |
| Earnings | 77 (stronger) | 31 |
| Funding & liquidity | 87 (stronger) | 67 |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 89th | 9th |
| Total assets | $76.4M | $905.0M |
| Deposits / shares | $58.8M | $763.5M |
| Capital ratio | 22.63% (stronger) | 7.49% |
| Problem loans | 0.39% (stronger) | 0.55% |
| Net charge-offs | 0.17% (stronger) | 1.07% |
| Return on assets | 1.42% (stronger) | 0.27% |
| Loans ÷ deposits | 73.6% (stronger) | 93.1% |
| Uninsured deposits | 4.6% (stronger) | 8.0% |
| Offices | 2 | 10 |
| 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 53). On the 7 directional measures above (where higher or lower is clearly better), Kbr Heritage Federal Credit Union leads on 7 and Texas Bay Credit Union on 0. 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.