Side-by-side · Q2 2026 data
Members Choice of Central Texas Federal Credit Union vs H E B Federal Credit Union
Credit union
Members Choice of Central Texas Federal Credit Union
Waco, Texas · $100 million – $1 billion
Metric by metric
| Measure | Members Choice of Central Texas Federal Credit Union | H E B Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 98 (stronger) | 94 |
| Earnings | 47 | 58 (stronger) |
| Funding & liquidity | 93 (stronger) | 72 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 92nd | 89th |
| Total assets | $212.9M | $218.2M |
| Deposits / shares | $181.8M | $172.6M |
| Capital ratio | 16.26% | 18.31% (stronger) |
| Problem loans | 0.06% (stronger) | 0.19% |
| Net charge-offs | 0.35% | 0.13% (stronger) |
| Return on assets | 0.68% | 0.95% (stronger) |
| Loans ÷ deposits | 66.9% (stronger) | 88.1% |
| Uninsured deposits | 4.8% | 3.7% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 41.8% | — |
Members Choice of Central Texas Federal Credit Union has the higher TellerScore (88 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Members Choice of Central Texas Federal Credit Union leads on 3 and H E B Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.