Side-by-side · Q2 2026 data
Corazo Credit Union vs Heritage Community Credit Union
Credit union
Heritage Community Credit Union
Rancho Cordova, California · $100 million – $1 billion
Metric by metric
| Measure | Corazo Credit Union | Heritage Community Credit Union |
|---|---|---|
| TellerScore | 59 (stronger) | 58 |
| Capital cushion | 90 (stronger) | 48 |
| Loan quality | 16 | 75 (stronger) |
| Earnings | 47 (stronger) | 32 |
| Funding & liquidity | 74 (stronger) | 64 |
| Problem-loan coverage | 72 | 87 (stronger) |
| Peer percentile | 19th | 16th |
| Total assets | $243.6M | $283.4M |
| Deposits / shares | $208.2M | $252.3M |
| Capital ratio | 14.01% (stronger) | 9.81% |
| Problem loans | 2.51% | 0.75% (stronger) |
| Net charge-offs | 0.99% | 0.57% (stronger) |
| Return on assets | 0.66% (stronger) | 0.31% |
| Loans ÷ deposits | 85.8% (stronger) | 96.6% |
| Uninsured deposits | 12.0% | 8.7% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.0% |
Corazo Credit Union has the higher TellerScore (59 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Corazo Credit Union leads on 4 and Heritage Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.