Side-by-side · Q2 2026 data
Four Seasons Federal Credit Union vs Heritage South Credit Union
Metric by metric
| Measure | Four Seasons Federal Credit Union | Heritage South Credit Union |
|---|---|---|
| TellerScore | 58 | 63 (stronger) |
| Capital cushion | 36 | 52 (stronger) |
| Loan quality | 49 | 71 (stronger) |
| Earnings | 63 (stronger) | 47 |
| Funding & liquidity | 96 (stronger) | 81 |
| Problem-loan coverage | 79 | 82 (stronger) |
| Peer percentile | 16th | 29th |
| Total assets | $103.7M | $183.7M |
| Deposits / shares | $93.2M | $165.8M |
| Capital ratio | 8.64% | 10.18% (stronger) |
| Problem loans | 1.53% | 0.88% (stronger) |
| Net charge-offs | 1.39% | 0.43% (stronger) |
| Return on assets | 1.08% (stronger) | 0.68% |
| Loans ÷ deposits | 64.6% (stronger) | 79.6% |
| Uninsured deposits | 9.4% | 2.8% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.0% |
Heritage South Credit Union has the higher TellerScore (63 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Four Seasons Federal Credit Union leads on 2 and Heritage South Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.