Side-by-side · Q2 2026 data
H E a Federal Credit Union vs Lanier Federal Credit Union
Metric by metric
| Measure | H E a Federal Credit Union | Lanier Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 53 |
| Capital cushion | 85 (stronger) | 43 |
| Loan quality | 28 | 82 (stronger) |
| Earnings | 84 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 85 | 90 (stronger) |
| Peer percentile | 47th | 12th |
| Total assets | $42.9M | $71.6M |
| Deposits / shares | $37.1M | $64.3M |
| Capital ratio | 13.51% (stronger) | 9.31% |
| Problem loans | 2.17% | 0.53% (stronger) |
| Net charge-offs | 0.15% (stronger) | 0.67% |
| Return on assets | 1.60% (stronger) | -0.70% |
| Loans ÷ deposits | 53.7% (stronger) | 92.0% |
| Uninsured deposits | 4.3% | 1.4% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
H E a Federal Credit Union has the higher TellerScore (73 vs 53). On the 7 directional measures above (where higher or lower is clearly better), H E a Federal Credit Union leads on 5 and Lanier Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.