Side-by-side · Q2 2026 data
Edwards Federal Credit Union vs Heritage Community Credit Union
Credit union
Heritage Community Credit Union
Rancho Cordova, California · $100 million – $1 billion
Metric by metric
| Measure | Edwards Federal Credit Union | Heritage Community Credit Union |
|---|---|---|
| TellerScore | 56 | 58 (stronger) |
| Capital cushion | 38 | 48 (stronger) |
| Loan quality | 73 | 75 (stronger) |
| Earnings | 13 | 32 (stronger) |
| Funding & liquidity | 100 (stronger) | 64 |
| Problem-loan coverage | 90 (stronger) | 87 |
| Peer percentile | 13th | 16th |
| Total assets | $276.6M | $283.4M |
| Deposits / shares | $253.9M | $252.3M |
| Capital ratio | 8.76% | 9.81% (stronger) |
| Problem loans | 0.81% | 0.75% (stronger) |
| Net charge-offs | 0.49% (stronger) | 0.57% |
| Return on assets | -0.18% | 0.31% (stronger) |
| Loans ÷ deposits | 60.5% (stronger) | 96.6% |
| Uninsured deposits | 11.0% | 8.7% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 20.0% |
Heritage Community Credit Union has the higher TellerScore (58 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Edwards Federal Credit Union leads on 2 and Heritage Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.