Side-by-side · Q2 2026 data
First Heritage Federal Credit Union vs Beginnings Credit Union
Metric by metric
| Measure | First Heritage Federal Credit Union | Beginnings Credit Union |
|---|---|---|
| TellerScore | 72 | 77 (stronger) |
| Capital cushion | 61 | 90 (stronger) |
| Loan quality | 85 (stronger) | 77 |
| Earnings | 58 (stronger) | 49 |
| Funding & liquidity | 78 | 78 |
| Problem-loan coverage | 94 (stronger) | 93 |
| Peer percentile | 57th | 82nd |
| Total assets | $839.7M | $1.5B |
| Deposits / shares | $748.4M | $1.3B |
| Capital ratio | 11.06% | 14.01% (stronger) |
| Problem loans | 0.44% (stronger) | 0.69% |
| Net charge-offs | 0.28% (stronger) | 0.39% |
| Return on assets | 0.96% (stronger) | 0.73% |
| Loans ÷ deposits | 82.1% (stronger) | 82.3% |
| Uninsured deposits | 9.5% | 9.2% (stronger) |
| Offices | 9 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.0% | — |
Beginnings Credit Union has the higher TellerScore (77 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Heritage Federal Credit Union leads on 4 and Beginnings Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.