Side-by-side · Q2 2026 data
Schertz Bank & Trust vs Credit Human Federal Credit Union
Credit union
Credit Human Federal Credit Union
San Antonio, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Schertz Bank & Trust | Credit Human Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 43 |
| Capital cushion | 100 (stronger) | 23 |
| Loan quality | 98 (stronger) | 64 |
| Earnings | 100 (stronger) | 24 |
| Funding & liquidity | 42 | 52 (stronger) |
| Problem-loan coverage | 96 (stronger) | 71 |
| Peer percentile | 95th | 2nd |
| Total assets | $770.1M | $4.3B |
| Deposits / shares | $651.4M | $3.6B |
| Capital ratio | 15.17% (stronger) | 7.35% |
| Problem loans | 0.05% (stronger) | 1.09% |
| Net charge-offs | -0.02% (stronger) | 0.70% |
| Return on assets | 2.02% (stronger) | 0.11% |
| Loans ÷ deposits | 93.2% (stronger) | 108.0% |
| Uninsured deposits | 38.0% | 6.6% (stronger) |
| Offices | 6 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 74.7% |
Schertz Bank & Trust has the higher TellerScore (90 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Schertz Bank & Trust leads on 6 and Credit Human Federal Credit Union on 1. 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.