Side-by-side · Q2 2026 data
Heritage Bank Minnesota vs Federated Employees Credit Union
Credit union
Federated Employees Credit Union
Owatonna, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Heritage Bank Minnesota | Federated Employees Credit Union |
|---|---|---|
| TellerScore | 57 | 82 (stronger) |
| Capital cushion | 23 | 82 (stronger) |
| Loan quality | 79 | 94 (stronger) |
| Earnings | 54 (stronger) | 51 |
| Funding & liquidity | 71 | 95 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 14th | 70th |
| Total assets | $120.9M | $66.7M |
| Deposits / shares | $109.8M | $57.9M |
| Capital ratio | 7.27% | 13.17% (stronger) |
| Problem loans | 0.64% | 0.19% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.38% |
| Return on assets | 0.85% (stronger) | 0.78% |
| Loans ÷ deposits | 89.1% | 65.3% (stronger) |
| Uninsured deposits | 11.4% | 1.5% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Federated Employees Credit Union has the higher TellerScore (82 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank Minnesota leads on 2 and Federated Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.