Side-by-side · Q2 2026 data
Southwest Heritage Credit Union vs West Texas Credit Union
Metric by metric
| Measure | Southwest Heritage Credit Union | West Texas Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 58 |
| Capital cushion | 83 (stronger) | 43 |
| Loan quality | 93 (stronger) | 64 |
| Earnings | 68 (stronger) | 24 |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 88 |
| Peer percentile | 83rd | 19th |
| Total assets | $260.9M | $70.3M |
| Deposits / shares | $225.0M | $63.1M |
| Capital ratio | 13.27% (stronger) | 9.30% |
| Problem loans | 0.20% (stronger) | 1.07% |
| Net charge-offs | 0.19% (stronger) | 0.27% |
| Return on assets | 1.20% (stronger) | 0.11% |
| Loans ÷ deposits | 70.2% | 60.2% (stronger) |
| Uninsured deposits | 27.1% | 7.6% (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 58). On the 7 directional measures above (where higher or lower is clearly better), Southwest Heritage Credit Union leads on 5 and West Texas Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.