Side-by-side · Q2 2026 data
Texasgulf Federal Credit Union vs Harris County Federal Credit Union
Metric by metric
| Measure | Texasgulf Federal Credit Union | Harris County Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 84 (stronger) |
| Capital cushion | 93 | 100 (stronger) |
| Loan quality | 80 (stronger) | 46 |
| Earnings | 54 | 93 (stronger) |
| Funding & liquidity | 88 | 96 (stronger) |
| Problem-loan coverage | 94 (stronger) | 93 |
| Peer percentile | 80th | 86th |
| Total assets | $220.5M | $223.3M |
| Deposits / shares | $189.3M | $169.5M |
| Capital ratio | 14.27% | 22.91% (stronger) |
| Problem loans | 0.61% (stronger) | 1.62% |
| Net charge-offs | 0.20% (stronger) | 1.41% |
| Return on assets | 0.85% | 1.84% (stronger) |
| Loans ÷ deposits | 71.9% | 64.6% (stronger) |
| Uninsured deposits | 2.7% (stronger) | 7.2% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Harris County Federal Credit Union has the higher TellerScore (84 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Texasgulf Federal Credit Union leads on 3 and Harris County Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.