Side-by-side · Q2 2026 data
VeraBank, National Association vs Henderson Federal Savings Bank
Metric by metric
| Measure | VeraBank, National Association | Henderson Federal Savings Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 60 |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 68 (stronger) | 0 |
| Earnings | 84 (stronger) | 62 |
| Funding & liquidity | 76 (stronger) | 66 |
| Problem-loan coverage | 90 (stronger) | 81 |
| Peer percentile | 66th | 19th |
| Total assets | $4.6B | $117.7M |
| Deposits / shares | $4.0B | $86.7M |
| Capital ratio | 11.03% | 25.94% (stronger) |
| Problem loans | 0.96% (stronger) | 3.49% |
| Net charge-offs | 0.10% | -0.00% (stronger) |
| Return on assets | 1.61% (stronger) | 1.06% |
| Loans ÷ deposits | 68.8% (stronger) | 93.9% |
| Uninsured deposits | 29.0% | 5.2% (stronger) |
| Offices | 42 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
VeraBank, National Association has the higher TellerScore (72 vs 60). On the 7 directional measures above (where higher or lower is clearly better), VeraBank, National Association leads on 4 and Henderson Federal Savings Bank on 3. 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.