Side-by-side · Q2 2026 data
Southwest Heritage Credit Union vs Txdot Credit Union
Metric by metric
| Measure | Southwest Heritage Credit Union | Txdot Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 81 |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 93 (stronger) | 82 |
| Earnings | 68 (stronger) | 58 |
| Funding & liquidity | 77 (stronger) | 65 |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 83rd | 68th |
| Total assets | $260.9M | $18.2M |
| Deposits / shares | $225.0M | $15.0M |
| Capital ratio | 13.27% | 17.19% (stronger) |
| Problem loans | 0.20% (stronger) | 0.54% |
| Net charge-offs | 0.19% (stronger) | 0.21% |
| Return on assets | 1.20% (stronger) | 0.96% |
| Loans ÷ deposits | 70.2% (stronger) | 95.7% |
| Uninsured deposits | 27.1% | 0.0% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southwest Heritage Credit Union has the higher TellerScore (83 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Southwest Heritage Credit Union leads on 5 and Txdot 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.