Side-by-side · Q2 2026 data
Heritage Bank vs Our Community Credit Union
Metric by metric
| Measure | Heritage Bank | Our Community Credit Union |
|---|---|---|
| TellerScore | 68 | 82 (stronger) |
| Capital cushion | 52 | 77 (stronger) |
| Loan quality | 91 (stronger) | 84 |
| Earnings | 62 | 66 (stronger) |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 49th | 82nd |
| Total assets | $8.4B | $638.3M |
| Deposits / shares | $7.0B | $551.8M |
| Capital ratio | 10.23% | 12.67% (stronger) |
| Problem loans | 0.27% (stronger) | 0.48% |
| Net charge-offs | 0.03% (stronger) | 0.70% |
| Return on assets | 1.05% | 1.16% (stronger) |
| Loans ÷ deposits | 80.8% | 40.7% (stronger) |
| Uninsured deposits | 39.1% | 6.0% (stronger) |
| Offices | 66 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 36.1% | — |
Our Community Credit Union has the higher TellerScore (82 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank leads on 2 and Our Community 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.
Where both have branches
- Olympia, WA
- Shelton, WA