Side-by-side · Q2 2026 data
Heart of Louisiana Federal Credit Union vs Xplore Federal Credit Union
Credit union
Heart of Louisiana Federal Credit Union
Pineville, Louisiana · $100 million – $1 billion
Metric by metric
| Measure | Heart of Louisiana Federal Credit Union | Xplore Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 70 |
| Loan quality | 88 (stronger) | 87 |
| Earnings | 39 (stronger) | 23 |
| Funding & liquidity | 93 (stronger) | 71 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 86th | 41st |
| Total assets | $143.2M | $147.1M |
| Deposits / shares | $120.5M | $117.7M |
| Capital ratio | 16.71% (stronger) | 11.99% |
| Problem loans | 0.35% (stronger) | 0.38% |
| Net charge-offs | 0.53% | 0.29% (stronger) |
| Return on assets | 0.48% (stronger) | 0.08% |
| Loans ÷ deposits | 67.1% (stronger) | 89.0% |
| Uninsured deposits | 2.3% (stronger) | 4.7% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 42.9% | 21.1% |
Heart of Louisiana Federal Credit Union has the higher TellerScore (84 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Heart of Louisiana Federal Credit Union leads on 6 and Xplore Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.