Side-by-side · Q2 2026 data
Heritage Bank, Inc. vs St. James Parish Credit Union
Metric by metric
| Measure | Heritage Bank, Inc. | St. James Parish Credit Union |
|---|---|---|
| TellerScore | 65 | 90 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 61 | 72 (stronger) |
| Funding & liquidity | 71 (stronger) | 68 |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 36th | 89th |
| Total assets | $2.0B | $5.9M |
| Deposits / shares | $1.8B | $4.4M |
| Capital ratio | 9.01% | 21.83% (stronger) |
| Problem loans | 0.47% | 0.00% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.66% |
| Return on assets | 1.03% | 1.29% (stronger) |
| Loans ÷ deposits | 67.1% (stronger) | 92.4% |
| Uninsured deposits | 35.3% | 0.0% (stronger) |
| Offices | 19 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. James Parish Credit Union has the higher TellerScore (90 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank, Inc. leads on 2 and St. James Parish 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.