Side-by-side · Q2 2026 data
Lifetime Federal Credit Union vs Heart O' Texas Federal Credit Union
Credit union
Heart O' Texas Federal Credit Union
Waco, Texas · Under $100 million in assets
Metric by metric
| Measure | Lifetime Federal Credit Union | Heart O' Texas Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 49 |
| Capital cushion | 100 (stronger) | 24 |
| Loan quality | 36 | 71 (stronger) |
| Earnings | 28 (stronger) | 22 |
| Funding & liquidity | 100 (stronger) | 80 |
| Problem-loan coverage | 90 (stronger) | 79 |
| Peer percentile | 38th | 8th |
| Total assets | $55.2M | $54.6M |
| Deposits / shares | $45.0M | $50.3M |
| Capital ratio | 18.45% (stronger) | 7.43% |
| Problem loans | 1.91% | 0.86% (stronger) |
| Net charge-offs | 0.88% | 0.37% (stronger) |
| Return on assets | 0.20% (stronger) | 0.05% |
| Loans ÷ deposits | 57.6% (stronger) | 80.2% |
| Uninsured deposits | 4.5% | 3.6% (stronger) |
| Offices | 0 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lifetime Federal Credit Union has the higher TellerScore (69 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Lifetime Federal Credit Union leads on 4 and Heart O' Texas Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.