Side-by-side · Q2 2026 data
Community National Bank vs Southwest Heritage Credit Union
Metric by metric
| Measure | Community National Bank | Southwest Heritage Credit Union |
|---|---|---|
| TellerScore | 70 | 83 (stronger) |
| Capital cushion | 77 | 83 (stronger) |
| Loan quality | 45 | 93 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 51 | 77 (stronger) |
| Problem-loan coverage | 83 | 96 (stronger) |
| Peer percentile | 58th | 83rd |
| Total assets | $2.5B | $260.9M |
| Deposits / shares | $2.2B | $225.0M |
| Capital ratio | 12.68% | 13.27% (stronger) |
| Problem loans | 1.66% | 0.20% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.19% |
| Return on assets | 2.10% (stronger) | 1.20% |
| Loans ÷ deposits | 71.5% | 70.2% (stronger) |
| Uninsured deposits | 48.6% | 27.1% (stronger) |
| Offices | 12 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southwest Heritage Credit Union has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Community National Bank leads on 2 and Southwest Heritage Credit Union on 5. 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.