Side-by-side · Q2 2026 data
Salt Employees Federal Credit Union vs Highway Employees Credit Union
Credit union
Salt Employees Federal Credit Union
Grand Saline, Texas · Under $100 million in assets
Metric by metric
| Measure | Salt Employees Federal Credit Union | Highway Employees Credit Union |
|---|---|---|
| TellerScore | 77 | 81 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 6 | 11 (stronger) |
| Funding & liquidity | 69 | 95 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 57th | 68th |
| Total assets | $1.5M | $1.8M |
| Deposits / shares | $764K | $1.2M |
| Capital ratio | 44.66% (stronger) | 29.19% |
| Problem loans | 0.00% (stronger) | 0.04% |
| Net charge-offs | 1.15% | 0.00% (stronger) |
| Return on assets | -0.35% | -0.22% (stronger) |
| Loans ÷ deposits | 91.4% | 65.1% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Highway Employees Credit Union has the higher TellerScore (81 vs 77). On the 6 directional measures above (where higher or lower is clearly better), Salt Employees Federal Credit Union leads on 2 and Highway Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.