Side-by-side · Q2 2026 data
Adams Community Bank vs Heritage Family Federal Credit Union
Metric by metric
| Measure | Adams Community Bank | Heritage Family Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 71 (stronger) |
| Capital cushion | 53 | 71 (stronger) |
| Loan quality | 87 (stronger) | 71 |
| Earnings | 39 | 60 (stronger) |
| Funding & liquidity | 29 | 74 (stronger) |
| Problem-loan coverage | 94 (stronger) | 89 |
| Peer percentile | 19th | 54th |
| Total assets | $1.0B | $869.8M |
| Deposits / shares | $822.6M | $736.1M |
| Capital ratio | 10.34% | 12.08% (stronger) |
| Problem loans | 0.40% (stronger) | 0.86% |
| Net charge-offs | 0.00% (stronger) | 0.59% |
| Return on assets | 0.49% | 1.00% (stronger) |
| Loans ÷ deposits | 100.0% | 85.9% (stronger) |
| Uninsured deposits | 42.7% | 8.2% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.1% | — |
Heritage Family Federal Credit Union has the higher TellerScore (71 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Adams Community Bank leads on 2 and Heritage Family Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.