Side-by-side · Q2 2026 data
Freedom Bank vs Heritage Federal Credit Union
Metric by metric
| Measure | Freedom Bank | Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 77 |
| Capital cushion | 76 (stronger) | 74 |
| Loan quality | 92 (stronger) | 89 |
| Earnings | 100 (stronger) | 57 |
| Funding & liquidity | 42 | 76 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 82nd | 82nd |
| Total assets | $585.7M | $1.0B |
| Deposits / shares | $505.7M | $855.9M |
| Capital ratio | 12.62% (stronger) | 12.35% |
| Problem loans | 0.23% (stronger) | 0.33% |
| Net charge-offs | 0.01% (stronger) | 0.31% |
| Return on assets | 2.26% (stronger) | 0.93% |
| Loans ÷ deposits | 97.9% | 84.0% (stronger) |
| Uninsured deposits | 33.4% | 8.8% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.5% |
Freedom Bank has the higher TellerScore (82 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Freedom Bank leads on 5 and Heritage Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.