Side-by-side · Q2 2026 data
Heritage Bank vs Solarity Credit Union
Metric by metric
| Measure | Heritage Bank | Solarity Credit Union |
|---|---|---|
| TellerScore | 68 | 73 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 91 (stronger) | 85 |
| Earnings | 62 (stronger) | 20 |
| Funding & liquidity | 52 (stronger) | 51 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 49th | 60th |
| Total assets | $8.4B | $803.5M |
| Deposits / shares | $7.0B | $618.8M |
| Capital ratio | 10.23% | 17.60% (stronger) |
| Problem loans | 0.27% (stronger) | 0.44% |
| Net charge-offs | 0.03% (stronger) | 0.80% |
| Return on assets | 1.05% (stronger) | 0.00% |
| Loans ÷ deposits | 80.8% (stronger) | 109.2% |
| Uninsured deposits | 39.1% | 5.7% (stronger) |
| Offices | 66 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 36.1% | 38.1% |
Solarity Credit Union has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank leads on 4 and Solarity 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.