Side-by-side · Q2 2026 data
Texas Health Credit Union vs Lcra Credit Union
Metric by metric
| Measure | Texas Health Credit Union | Lcra Credit Union |
|---|---|---|
| TellerScore | 66 | 83 (stronger) |
| Capital cushion | 88 | 100 (stronger) |
| Loan quality | 28 | 86 (stronger) |
| Earnings | 46 (stronger) | 34 |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 84 | 94 (stronger) |
| Peer percentile | 37th | 72nd |
| Total assets | $134.3M | $20.2M |
| Deposits / shares | $126.0M | $17.0M |
| Capital ratio | 13.77% | 15.96% (stronger) |
| Problem loans | 2.17% | 0.41% (stronger) |
| Net charge-offs | 1.54% | 0.00% (stronger) |
| Return on assets | 0.65% (stronger) | 0.34% |
| Loans ÷ deposits | 55.3% | 40.4% (stronger) |
| Uninsured deposits | 17.8% | 3.9% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.6% | — |
Lcra Credit Union has the higher TellerScore (83 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Texas Health Credit Union leads on 1 and Lcra Credit Union on 6. 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.