Side-by-side · Q2 2026 data
Heritage Bank vs Wcla Credit Union
Metric by metric
| Measure | Heritage Bank | Wcla Credit Union |
|---|---|---|
| TellerScore | 68 | 86 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 91 (stronger) | 90 |
| Earnings | 62 | 92 (stronger) |
| Funding & liquidity | 52 (stronger) | 36 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 49th | 89th |
| Total assets | $8.4B | $141.9M |
| Deposits / shares | $7.0B | $111.8M |
| Capital ratio | 10.23% | 17.50% (stronger) |
| Problem loans | 0.27% (stronger) | 0.29% |
| Net charge-offs | 0.03% (stronger) | 0.08% |
| Return on assets | 1.05% | 1.81% (stronger) |
| Loans ÷ deposits | 80.8% (stronger) | 105.7% |
| Uninsured deposits | 39.1% | 31.9% (stronger) |
| Offices | 66 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 36.1% | — |
Wcla Credit Union has the higher TellerScore (86 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank leads on 3 and Wcla Credit Union on 4. 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.