Side-by-side · Q2 2026 data
Amoco Federal Credit Union vs United Heritage Credit Union
Metric by metric
| Measure | Amoco Federal Credit Union | United Heritage Credit Union |
|---|---|---|
| TellerScore | 55 | 56 (stronger) |
| Capital cushion | 42 | 49 (stronger) |
| Loan quality | 69 (stronger) | 59 |
| Earnings | 34 | 40 (stronger) |
| Funding & liquidity | 67 | 67 |
| Problem-loan coverage | 79 | 81 (stronger) |
| Peer percentile | 13th | 15th |
| Total assets | $1.5B | $1.7B |
| Deposits / shares | $1.3B | $1.3B |
| Capital ratio | 9.20% | 9.87% (stronger) |
| Problem loans | 0.93% (stronger) | 1.22% |
| Net charge-offs | 0.72% | 0.44% (stronger) |
| Return on assets | 0.36% | 0.51% (stronger) |
| Loans ÷ deposits | 93.2% | 92.8% (stronger) |
| Uninsured deposits | 10.0% | 6.8% (stronger) |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 32.8% |
United Heritage Credit Union has the higher TellerScore (56 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Amoco Federal Credit Union leads on 1 and United Heritage Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.