Side-by-side · Q2 2026 data
Epic Federal Credit Union vs Heart of Louisiana Federal Credit Union
Credit union
Heart of Louisiana Federal Credit Union
Pineville, Louisiana · $100 million – $1 billion
Metric by metric
| Measure | Epic Federal Credit Union | Heart of Louisiana Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 84 (stronger) |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 30 | 88 (stronger) |
| Earnings | 33 | 39 (stronger) |
| Funding & liquidity | 64 | 93 (stronger) |
| Problem-loan coverage | 72 | 98 (stronger) |
| Peer percentile | 21st | 86th |
| Total assets | $164.5M | $143.2M |
| Deposits / shares | $138.1M | $120.5M |
| Capital ratio | 14.60% | 16.71% (stronger) |
| Problem loans | 2.10% | 0.35% (stronger) |
| Net charge-offs | 0.83% | 0.53% (stronger) |
| Return on assets | 0.33% | 0.48% (stronger) |
| Loans ÷ deposits | 95.8% | 67.1% (stronger) |
| Uninsured deposits | 2.6% | 2.3% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 42.9% |
Heart of Louisiana Federal Credit Union has the higher TellerScore (84 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Epic Federal Credit Union leads on 0 and Heart of Louisiana Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.