Side-by-side · Q2 2026 data
Heart of Louisiana Federal Credit Union vs Southwest Louisiana Credit Union
Credit union
Heart of Louisiana Federal Credit Union
Pineville, Louisiana · $100 million – $1 billion
Credit union
Southwest Louisiana Credit Union
Lake Charles, Louisiana · $100 million – $1 billion
Metric by metric
| Measure | Heart of Louisiana Federal Credit Union | Southwest Louisiana Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 70 |
| Capital cushion | 100 | 100 |
| Loan quality | 88 (stronger) | 52 |
| Earnings | 39 | 45 (stronger) |
| Funding & liquidity | 93 (stronger) | 63 |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 86th | 51st |
| Total assets | $143.2M | $182.6M |
| Deposits / shares | $120.5M | $154.4M |
| Capital ratio | 16.71% (stronger) | 15.84% |
| Problem loans | 0.35% (stronger) | 1.45% |
| Net charge-offs | 0.53% (stronger) | 0.81% |
| Return on assets | 0.48% | 0.61% (stronger) |
| Loans ÷ deposits | 67.1% (stronger) | 97.5% |
| Uninsured deposits | 2.3% (stronger) | 3.3% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 42.9% | 24.5% |
Heart of Louisiana Federal Credit Union has the higher TellerScore (84 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Heart of Louisiana Federal Credit Union leads on 6 and Southwest Louisiana Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.