Side-by-side · Q2 2026 data
El Dorado Savings Bank, F.S.B. vs Heritage Community Credit Union
Credit union
Heritage Community Credit Union
Rancho Cordova, California · $100 million – $1 billion
Metric by metric
| Measure | El Dorado Savings Bank, F.S.B. | Heritage Community Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 58 |
| Capital cushion | 84 (stronger) | 48 |
| Loan quality | 91 (stronger) | 75 |
| Earnings | 57 (stronger) | 32 |
| Funding & liquidity | 100 (stronger) | 64 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 95th | 16th |
| Total assets | $2.4B | $283.4M |
| Deposits / shares | $2.1B | $252.3M |
| Capital ratio | 13.43% (stronger) | 9.81% |
| Problem loans | 0.28% (stronger) | 0.75% |
| Net charge-offs | 0.01% (stronger) | 0.57% |
| Return on assets | 0.93% (stronger) | 0.31% |
| Loans ÷ deposits | 23.3% (stronger) | 96.6% |
| Uninsured deposits | 10.7% | 8.7% (stronger) |
| Offices | 35 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.0% |
El Dorado Savings Bank, F.S.B. has the higher TellerScore (84 vs 58). On the 7 directional measures above (where higher or lower is clearly better), El Dorado Savings Bank, F.S.B. leads on 6 and Heritage Community Credit Union on 1. 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.