Side-by-side · Q2 2026 data
Central State Credit Union vs Heritage Community Credit Union
Credit union
Heritage Community Credit Union
Rancho Cordova, California · $100 million – $1 billion
Metric by metric
| Measure | Central State Credit Union | Heritage Community Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 58 |
| Capital cushion | 40 | 48 (stronger) |
| Loan quality | 87 (stronger) | 75 |
| Earnings | 31 | 32 (stronger) |
| Funding & liquidity | 100 (stronger) | 64 |
| Problem-loan coverage | 97 (stronger) | 87 |
| Peer percentile | 34th | 16th |
| Total assets | $258.2M | $283.4M |
| Deposits / shares | $211.3M | $252.3M |
| Capital ratio | 9.01% | 9.81% (stronger) |
| Problem loans | 0.40% (stronger) | 0.75% |
| Net charge-offs | 0.28% (stronger) | 0.57% |
| Return on assets | 0.28% | 0.31% (stronger) |
| Loans ÷ deposits | 40.8% (stronger) | 96.6% |
| Uninsured deposits | 6.2% (stronger) | 8.7% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.0% |
Central State Credit Union has the higher TellerScore (65 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Central State Credit Union leads on 5 and Heritage Community Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.