The important things for combat balance are (in a no doubt incomplete and very roughly ordered list):
- Numbers
- Combat skills and defenses
- HT
- DR
- Damage
- HP
There's also the enemy's mentality to take into account. If every fight is against True Believers that fight to the last man, combat is going to be much more costly.
Points are pretty much meaningless for the comparison. A 150 point college professor is no match for a 25 point high-school dropout who spent his limited points on Guns (Pistol), Streetwise, and Intimidation.