Side-by-side · Q2 2026 data
The MINT National Bank vs Kbr Heritage Federal Credit Union
Credit union
Kbr Heritage Federal Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | The MINT National Bank | Kbr Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 7 | 87 (stronger) |
| Earnings | 78 (stronger) | 77 |
| Funding & liquidity | 52 | 87 (stronger) |
| Problem-loan coverage | 57 | 98 (stronger) |
| Peer percentile | 20th | 89th |
| Total assets | $388.9M | $76.4M |
| Deposits / shares | $306.5M | $58.8M |
| Capital ratio | 18.35% | 22.63% (stronger) |
| Problem loans | 2.78% | 0.39% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.17% |
| Return on assets | 1.44% (stronger) | 1.42% |
| Loans ÷ deposits | 100.8% | 73.6% (stronger) |
| Uninsured deposits | 21.8% | 4.6% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.6% |
Kbr Heritage Federal Credit Union has the higher TellerScore (90 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The MINT National Bank leads on 2 and Kbr Heritage Federal Credit Union on 5. 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.