Side-by-side · Q2 2026 data
Acipco Federal Credit Union vs Heritage South Credit Union
Metric by metric
| Measure | Acipco Federal Credit Union | Heritage South Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 63 |
| Capital cushion | 94 (stronger) | 52 |
| Loan quality | 93 (stronger) | 71 |
| Earnings | 100 (stronger) | 47 |
| Funding & liquidity | 87 (stronger) | 81 |
| Problem-loan coverage | 98 (stronger) | 82 |
| Peer percentile | 98th | 29th |
| Total assets | $221.5M | $183.7M |
| Deposits / shares | $191.3M | $165.8M |
| Capital ratio | 14.37% (stronger) | 10.18% |
| Problem loans | 0.21% (stronger) | 0.88% |
| Net charge-offs | 0.03% (stronger) | 0.43% |
| Return on assets | 2.15% (stronger) | 0.68% |
| Loans ÷ deposits | 73.2% (stronger) | 79.6% |
| Uninsured deposits | 3.8% | 2.8% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.2% | 18.0% |
Acipco Federal Credit Union has the higher TellerScore (94 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Acipco Federal Credit Union leads on 6 and Heritage South Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.