Side-by-side · Q2 2026 data
Select Federal Credit Union vs Heart O' Texas Federal Credit Union
Credit union
Heart O' Texas Federal Credit Union
Waco, Texas · Under $100 million in assets
Metric by metric
| Measure | Select Federal Credit Union | Heart O' Texas Federal Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 49 |
| Capital cushion | 100 (stronger) | 24 |
| Loan quality | 72 (stronger) | 71 |
| Earnings | 0 | 22 (stronger) |
| Funding & liquidity | 86 (stronger) | 80 |
| Problem-loan coverage | 93 (stronger) | 79 |
| Peer percentile | 40th | 8th |
| Total assets | $57.7M | $54.6M |
| Deposits / shares | $48.1M | $50.3M |
| Capital ratio | 15.08% (stronger) | 7.43% |
| Problem loans | 0.83% (stronger) | 0.86% |
| Net charge-offs | 0.78% | 0.37% (stronger) |
| Return on assets | -1.67% | 0.05% (stronger) |
| Loans ÷ deposits | 74.1% (stronger) | 80.2% |
| Uninsured deposits | 1.4% (stronger) | 3.6% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Select Federal Credit Union has the higher TellerScore (70 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Select Federal Credit Union leads on 5 and Heart O' Texas Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.