Side-by-side · Q2 2026 data
Pear Orchard Federal Credit Union vs Heritage Hub Federal Credit Union
Credit union
Pear Orchard Federal Credit Union
Beaumont, Texas · Under $100 million in assets
Credit union
Heritage Hub Federal Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | Pear Orchard Federal Credit Union | Heritage Hub Federal Credit Union |
|---|---|---|
| TellerScore | 52 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 0 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 33 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 0 | 100 (stronger) |
| Peer percentile | 11th | 9th |
| Total assets | $893K | $149K |
| Deposits / shares | $678K | $172K |
| Capital ratio | 23.83% (stronger) | -15.82% |
| Problem loans | 34.39% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.32% (stronger) | -117.25% |
| Loans ÷ deposits | 60.1% | 51.2% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pear Orchard Federal Credit Union has the higher TellerScore (52 vs 50). On the 5 directional measures above (where higher or lower is clearly better), Pear Orchard Federal Credit Union leads on 3 and Heritage Hub Federal Credit Union on 2. 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.