Side-by-side · Q2 2026 data
Schertz Bank & Trust vs H E B Federal Credit Union
Metric by metric
| Measure | Schertz Bank & Trust | H E B Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 98 (stronger) | 94 |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 42 | 72 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 95th | 89th |
| Total assets | $770.1M | $218.2M |
| Deposits / shares | $651.4M | $172.6M |
| Capital ratio | 15.17% | 18.31% (stronger) |
| Problem loans | 0.05% (stronger) | 0.19% |
| Net charge-offs | -0.02% (stronger) | 0.13% |
| Return on assets | 2.02% (stronger) | 0.95% |
| Loans ÷ deposits | 93.2% | 88.1% (stronger) |
| Uninsured deposits | 38.0% | 3.7% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Schertz Bank & Trust has the higher TellerScore (90 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Schertz Bank & Trust leads on 4 and H E B Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.