Side-by-side · Q2 2026 data
Texas Health Credit Union vs United Community Credit Union
Metric by metric
| Measure | Texas Health Credit Union | United Community Credit Union |
|---|---|---|
| TellerScore | 66 | 69 (stronger) |
| Capital cushion | 88 (stronger) | 70 |
| Loan quality | 28 | 65 (stronger) |
| Earnings | 46 | 57 (stronger) |
| Funding & liquidity | 97 (stronger) | 80 |
| Problem-loan coverage | 84 | 88 (stronger) |
| Peer percentile | 37th | 48th |
| Total assets | $134.3M | $127.9M |
| Deposits / shares | $126.0M | $112.6M |
| Capital ratio | 13.77% (stronger) | 12.03% |
| Problem loans | 2.17% | 1.05% (stronger) |
| Net charge-offs | 1.54% | 0.88% (stronger) |
| Return on assets | 0.65% | 0.92% (stronger) |
| Loans ÷ deposits | 55.3% (stronger) | 80.1% |
| Uninsured deposits | 17.8% | 2.6% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.6% | — |
United Community Credit Union has the higher TellerScore (69 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Texas Health Credit Union leads on 2 and United Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.