Side-by-side · Q2 2026 data
Heritage Bank vs Central Nebraska Federal Credit Union
Credit union
Central Nebraska Federal Credit Union
Grand Island, Nebraska · Under $100 million in assets
Metric by metric
| Measure | Heritage Bank | Central Nebraska Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 61 | 99 (stronger) |
| Earnings | 100 (stronger) | 33 |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 90th | 47th |
| Total assets | $611.6M | $11.8M |
| Deposits / shares | $420.5M | $10.1M |
| Capital ratio | 23.01% (stronger) | 10.63% |
| Problem loans | 1.18% | 0.04% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 2.58% (stronger) | 0.33% |
| Loans ÷ deposits | 70.5% | 52.6% (stronger) |
| Uninsured deposits | 29.0% | 1.6% (stronger) |
| Offices | 15 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage Bank has the higher TellerScore (86 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank leads on 4 and Central Nebraska Federal Credit Union on 3. 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.