Side-by-side · Q2 2026 data
Firstlight Federal Credit Union vs United Heritage Credit Union
Metric by metric
| Measure | Firstlight Federal Credit Union | United Heritage Credit Union |
|---|---|---|
| TellerScore | 68 (stronger) | 56 |
| Capital cushion | 53 (stronger) | 49 |
| Loan quality | 84 (stronger) | 59 |
| Earnings | 57 (stronger) | 40 |
| Funding & liquidity | 67 | 67 |
| Problem-loan coverage | 92 (stronger) | 81 |
| Peer percentile | 50th | 15th |
| Total assets | $1.6B | $1.7B |
| Deposits / shares | $1.4B | $1.3B |
| Capital ratio | 10.33% (stronger) | 9.87% |
| Problem loans | 0.48% (stronger) | 1.22% |
| Net charge-offs | 1.48% | 0.44% (stronger) |
| Return on assets | 0.92% (stronger) | 0.51% |
| Loans ÷ deposits | 92.8% | 92.8% (stronger) |
| Uninsured deposits | 12.0% | 6.8% (stronger) |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 52.6% | 32.8% |
Firstlight Federal Credit Union has the higher TellerScore (68 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Firstlight Federal Credit Union leads on 4 and United Heritage Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.