Side-by-side · Q2 2026 data
First State Bank of Porter vs Grand Heritage Federal Credit Union
Credit union
Grand Heritage Federal Credit Union
Laporte, Indiana · Under $100 million in assets
Metric by metric
| Measure | First State Bank of Porter | Grand Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 54 (stronger) | 28 |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 95th | 34th |
| Total assets | $162.3M | $21.5M |
| Deposits / shares | $138.2M | $19.5M |
| Capital ratio | 16.80% (stronger) | 9.43% |
| Problem loans | 0.00% (stronger) | 0.22% |
| Net charge-offs | 0.01% (stronger) | 0.37% |
| Return on assets | 0.85% (stronger) | 0.19% |
| Loans ÷ deposits | 54.2% | 47.0% (stronger) |
| Uninsured deposits | 19.0% | 0.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.3% | — |
First State Bank of Porter has the higher TellerScore (90 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Porter leads on 5 and Grand Heritage Federal Credit Union on 2. 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.