Side-by-side · Q2 2026 data
Heart of Louisiana Federal Credit Union vs Rapides Federal Credit Union
Credit union
Heart of Louisiana Federal Credit Union
Pineville, Louisiana · $100 million – $1 billion
Credit union
Rapides Federal Credit Union
Alexandria, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Heart of Louisiana Federal Credit Union | Rapides Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 96 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 88 | 94 (stronger) |
| Earnings | 39 | 100 (stronger) |
| Funding & liquidity | 93 (stronger) | 81 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 86th | 97th |
| Total assets | $143.2M | $6.2M |
| Deposits / shares | $120.5M | $4.4M |
| Capital ratio | 16.71% | 29.47% (stronger) |
| Problem loans | 0.35% | 0.17% (stronger) |
| Net charge-offs | 0.53% (stronger) | 1.26% |
| Return on assets | 0.48% | 4.55% (stronger) |
| Loans ÷ deposits | 67.1% (stronger) | 79.2% |
| Uninsured deposits | 2.3% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 42.9% | — |
Rapides Federal Credit Union has the higher TellerScore (96 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Heart of Louisiana Federal Credit Union leads on 2 and Rapides Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.