Side-by-side · Q2 2026 data
First Heritage Federal Credit Union vs Servu Federal Credit Union
Metric by metric
| Measure | First Heritage Federal Credit Union | Servu Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 86 (stronger) |
| Capital cushion | 61 | 98 (stronger) |
| Loan quality | 85 (stronger) | 84 |
| Earnings | 58 | 76 (stronger) |
| Funding & liquidity | 78 (stronger) | 74 |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 57th | 89th |
| Total assets | $839.7M | $529.2M |
| Deposits / shares | $748.4M | $446.1M |
| Capital ratio | 11.06% | 14.83% (stronger) |
| Problem loans | 0.44% (stronger) | 0.47% |
| Net charge-offs | 0.28% | 0.20% (stronger) |
| Return on assets | 0.96% | 1.40% (stronger) |
| Loans ÷ deposits | 82.1% (stronger) | 86.1% |
| Uninsured deposits | 9.5% | 3.6% (stronger) |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.0% | 12.8% |
Servu Federal Credit Union has the higher TellerScore (86 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Heritage Federal Credit Union leads on 2 and Servu Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.