Side-by-side · Q2 2026 data
Concho Educators Federal Credit Union vs Heritage USA Federal Credit Union
Credit union
Concho Educators Federal Credit Union
San Angelo, Texas · Under $100 million in assets
Credit union
Heritage USA Federal Credit Union
Midland, Texas · Under $100 million in assets
Metric by metric
| Measure | Concho Educators Federal Credit Union | Heritage USA Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 45 |
| Capital cushion | 67 (stronger) | 38 |
| Loan quality | 86 (stronger) | 62 |
| Earnings | 33 (stronger) | 0 |
| Funding & liquidity | 95 (stronger) | 70 |
| Problem-loan coverage | 96 (stronger) | 79 |
| Peer percentile | 44th | 5th |
| Total assets | $99.4M | $98.5M |
| Deposits / shares | $89.8M | $87.5M |
| Capital ratio | 11.69% (stronger) | 8.80% |
| Problem loans | 0.42% (stronger) | 1.14% |
| Net charge-offs | 1.19% (stronger) | 1.89% |
| Return on assets | 0.34% (stronger) | -1.02% |
| Loans ÷ deposits | 64.9% (stronger) | 90.6% |
| Uninsured deposits | 4.1% (stronger) | 7.3% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Concho Educators Federal Credit Union has the higher TellerScore (72 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Concho Educators Federal Credit Union leads on 7 and Heritage USA Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.