Side-by-side · Q2 2026 data
Grand Heritage Federal Credit Union vs Community Spirit Credit Union
Credit union
Grand Heritage Federal Credit Union
Laporte, Indiana · Under $100 million in assets
Credit union
Community Spirit Credit Union
Lawrenceburg, Indiana · Under $100 million in assets
Metric by metric
| Measure | Grand Heritage Federal Credit Union | Community Spirit Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 55 |
| Capital cushion | 44 | 54 (stronger) |
| Loan quality | 93 (stronger) | 32 |
| Earnings | 28 | 36 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 82 |
| Peer percentile | 34th | 15th |
| Total assets | $21.5M | $21.5M |
| Deposits / shares | $19.5M | $19.1M |
| Capital ratio | 9.43% | 10.40% (stronger) |
| Problem loans | 0.22% (stronger) | 2.03% |
| Net charge-offs | 0.37% (stronger) | 0.43% |
| Return on assets | 0.19% | 0.41% (stronger) |
| Loans ÷ deposits | 47.0% (stronger) | 52.3% |
| Uninsured deposits | 0.0% (stronger) | 6.4% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Grand Heritage Federal Credit Union has the higher TellerScore (67 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Grand Heritage Federal Credit Union leads on 5 and Community Spirit Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.