Side-by-side · Q2 2026 data
Evansville Federal Credit Union vs Heritage Federal Credit Union
Metric by metric
| Measure | Evansville Federal Credit Union | Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 77 (stronger) |
| Capital cushion | 95 (stronger) | 74 |
| Loan quality | 50 | 89 (stronger) |
| Earnings | 48 | 57 (stronger) |
| Funding & liquidity | 98 (stronger) | 76 |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 49th | 82nd |
| Total assets | $90.2M | $1.0B |
| Deposits / shares | $76.9M | $855.9M |
| Capital ratio | 14.52% (stronger) | 12.35% |
| Problem loans | 1.50% | 0.33% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.31% |
| Return on assets | 0.69% | 0.93% (stronger) |
| Loans ÷ deposits | 62.1% (stronger) | 84.0% |
| Uninsured deposits | 5.9% (stronger) | 8.8% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.3% | 21.5% |
Heritage Federal Credit Union has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Evansville 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.