Side-by-side · Q2 2026 data
Heritage Bank vs Tapco Credit Union
Metric by metric
| Measure | Heritage Bank | Tapco Credit Union |
|---|---|---|
| TellerScore | 68 | 78 (stronger) |
| Capital cushion | 52 | 52 |
| Loan quality | 91 (stronger) | 89 |
| Earnings | 62 | 100 (stronger) |
| Funding & liquidity | 52 | 74 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 49th | 74th |
| Total assets | $8.4B | $735.7M |
| Deposits / shares | $7.0B | $657.1M |
| Capital ratio | 10.23% (stronger) | 10.19% |
| Problem loans | 0.27% (stronger) | 0.34% |
| Net charge-offs | 0.03% (stronger) | 0.27% |
| Return on assets | 1.05% | 2.58% (stronger) |
| Loans ÷ deposits | 80.8% (stronger) | 86.6% |
| Uninsured deposits | 39.1% | 10.3% (stronger) |
| Offices | 66 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 36.1% | 21.1% |
Tapco Credit Union has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank leads on 4 and Tapco 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.