Side-by-side · Q2 2026 data
Diamond Valley Federal Credit Union vs Heritage Federal Credit Union
Credit union
Diamond Valley Federal Credit Union
Evansville, Indiana · $100 million – $1 billion
Metric by metric
| Measure | Diamond Valley Federal Credit Union | Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 77 |
| Capital cushion | 79 (stronger) | 74 |
| Loan quality | 76 | 89 (stronger) |
| Earnings | 53 | 57 (stronger) |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 74th | 82nd |
| Total assets | $178.8M | $1.0B |
| Deposits / shares | $154.8M | $855.9M |
| Capital ratio | 12.93% (stronger) | 12.35% |
| Problem loans | 0.72% | 0.33% (stronger) |
| Net charge-offs | 0.84% | 0.31% (stronger) |
| Return on assets | 0.83% | 0.93% (stronger) |
| Loans ÷ deposits | 42.1% (stronger) | 84.0% |
| Uninsured deposits | 3.2% (stronger) | 8.8% |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.1% | 21.5% |
Diamond Valley Federal Credit Union has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Diamond Valley Federal Credit Union leads on 4 and Heritage Federal Credit Union on 3. 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.