Side-by-side · Q2 2026 data
Border Federal Credit Union vs Southwest Heritage Credit Union
Metric by metric
| Measure | Border Federal Credit Union | Southwest Heritage Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 83 |
| Loan quality | 78 | 93 (stronger) |
| Earnings | 83 (stronger) | 68 |
| Funding & liquidity | 81 (stronger) | 77 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 92nd | 83rd |
| Total assets | $269.8M | $260.9M |
| Deposits / shares | $206.4M | $225.0M |
| Capital ratio | 17.83% (stronger) | 13.27% |
| Problem loans | 0.67% | 0.20% (stronger) |
| Net charge-offs | 0.53% | 0.19% (stronger) |
| Return on assets | 1.58% (stronger) | 1.20% |
| Loans ÷ deposits | 79.7% | 70.2% (stronger) |
| Uninsured deposits | 4.3% (stronger) | 27.1% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Border Federal Credit Union has the higher TellerScore (88 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Border Federal Credit Union leads on 4 and Southwest Heritage Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.