Side-by-side · Q2 2026 data
Union Pacific Employees Credit Union vs Highway District 2 Credit Union
Credit union
Union Pacific Employees Credit Union
Beaumont, Texas · Under $100 million in assets
Metric by metric
| Measure | Union Pacific Employees Credit Union | Highway District 2 Credit Union |
|---|---|---|
| TellerScore | 59 | 75 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 33 | 100 (stronger) |
| Earnings | 2 | 14 (stronger) |
| Funding & liquidity | 74 (stronger) | 50 |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 20th | 52nd |
| Total assets | $3.8M | $3.6M |
| Deposits / shares | $2.9M | $2.2M |
| Capital ratio | 23.66% | 37.94% (stronger) |
| Problem loans | 2.02% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | -0.44% | -0.15% (stronger) |
| Loans ÷ deposits | 86.6% (stronger) | 112.2% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Highway District 2 Credit Union has the higher TellerScore (75 vs 59). On the 6 directional measures above (where higher or lower is clearly better), Union Pacific Employees Credit Union leads on 1 and Highway District 2 Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.