Side-by-side · Q2 2026 data
WaterStone Bank, SSB vs Kbr Heritage Federal Credit Union
Credit union
Kbr Heritage Federal Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | WaterStone Bank, SSB | Kbr Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 88 (stronger) | 87 |
| Earnings | 71 | 77 (stronger) |
| Funding & liquidity | 37 | 87 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 91st | 89th |
| Total assets | $2.3B | $76.4M |
| Deposits / shares | $1.5B | $58.8M |
| Capital ratio | 15.43% | 22.63% (stronger) |
| Problem loans | 0.36% (stronger) | 0.39% |
| Net charge-offs | -0.00% (stronger) | 0.17% |
| Return on assets | 1.28% | 1.42% (stronger) |
| Loans ÷ deposits | 123.7% | 73.6% (stronger) |
| Uninsured deposits | 26.8% | 4.6% (stronger) |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.2% | 28.6% |
Kbr Heritage Federal Credit Union has the higher TellerScore (90 vs 81). On the 7 directional measures above (where higher or lower is clearly better), WaterStone Bank, SSB 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.