Side-by-side · Q2 2026 data
First Federal Savings Bank vs Heritage Federal Credit Union
Metric by metric
| Measure | First Federal Savings Bank | Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 77 (stronger) |
| Capital cushion | 45 | 74 (stronger) |
| Loan quality | 92 (stronger) | 89 |
| Earnings | 35 | 57 (stronger) |
| Funding & liquidity | 52 | 76 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 20th | 82nd |
| Total assets | $575.6M | $1.0B |
| Deposits / shares | $472.8M | $855.9M |
| Capital ratio | 9.54% | 12.35% (stronger) |
| Problem loans | 0.24% (stronger) | 0.33% |
| Net charge-offs | 0.01% (stronger) | 0.31% |
| Return on assets | 0.37% | 0.93% (stronger) |
| Loans ÷ deposits | 89.8% | 84.0% (stronger) |
| Uninsured deposits | 31.0% | 8.8% (stronger) |
| Offices | 10 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | 21.5% |
Heritage Federal Credit Union has the higher TellerScore (77 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings Bank leads on 2 and Heritage Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.