Side-by-side · Q2 2026 data
Bank of Stockton vs Heritage Community Credit Union
Credit union
Heritage Community Credit Union
Rancho Cordova, California · $100 million – $1 billion
Metric by metric
| Measure | Bank of Stockton | Heritage Community Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 58 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 97 (stronger) | 75 |
| Earnings | 100 (stronger) | 32 |
| Funding & liquidity | 64 | 64 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 100th | 16th |
| Total assets | $5.0B | $283.4M |
| Deposits / shares | $3.8B | $252.3M |
| Capital ratio | 19.95% (stronger) | 9.81% |
| Problem loans | 0.08% (stronger) | 0.75% |
| Net charge-offs | 0.05% (stronger) | 0.57% |
| Return on assets | 6.08% (stronger) | 0.31% |
| Loans ÷ deposits | 63.2% (stronger) | 96.6% |
| Uninsured deposits | 45.2% | 8.7% (stronger) |
| Offices | 21 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.2% | 20.0% |
Bank of Stockton has the higher TellerScore (94 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Bank of Stockton leads on 6 and Heritage Community Credit Union on 1. 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.