Side-by-side · Q2 2026 data
Texas Community Bank vs Credit Human Federal Credit Union
Credit union
Credit Human Federal Credit Union
San Antonio, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Texas Community Bank | Credit Human Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 43 |
| Capital cushion | 78 (stronger) | 23 |
| Loan quality | 93 (stronger) | 64 |
| Earnings | 100 (stronger) | 24 |
| Funding & liquidity | 50 | 52 (stronger) |
| Problem-loan coverage | 98 (stronger) | 71 |
| Peer percentile | 95th | 2nd |
| Total assets | $2.2B | $4.3B |
| Deposits / shares | $1.9B | $3.6B |
| Capital ratio | 12.78% (stronger) | 7.35% |
| Problem loans | 0.20% (stronger) | 1.09% |
| Net charge-offs | 0.05% (stronger) | 0.70% |
| Return on assets | 2.03% (stronger) | 0.11% |
| Loans ÷ deposits | 58.6% (stronger) | 108.0% |
| Uninsured deposits | 63.9% | 6.6% (stronger) |
| Offices | 10 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | 74.7% |
Texas Community Bank has the higher TellerScore (84 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Texas Community Bank leads on 6 and Credit Human Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.