Side-by-side · Q2 2026 data
Vantage Bank Texas vs H E B Federal Credit Union
Metric by metric
| Measure | Vantage Bank Texas | H E B Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 86 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 71 | 94 (stronger) |
| Earnings | 86 (stronger) | 58 |
| Funding & liquidity | 35 | 72 (stronger) |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 24th | 89th |
| Total assets | $5.1B | $218.2M |
| Deposits / shares | $4.6B | $172.6M |
| Capital ratio | 9.02% | 18.31% (stronger) |
| Problem loans | 0.87% | 0.19% (stronger) |
| Net charge-offs | 0.31% | 0.13% (stronger) |
| Return on assets | 1.64% (stronger) | 0.95% |
| Loans ÷ deposits | 87.7% (stronger) | 88.1% |
| Uninsured deposits | 48.7% | 3.7% (stronger) |
| Offices | 23 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.2% | — |
H E B Federal Credit Union has the higher TellerScore (86 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Vantage Bank Texas leads on 2 and H E B 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.