Side-by-side · Q2 2026 data
Heritage Community Bank vs Clinchfield Federal Credit Union
Metric by metric
| Measure | Heritage Community Bank | Clinchfield Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 83 (stronger) |
| Capital cushion | 53 | 75 (stronger) |
| Loan quality | 99 (stronger) | 92 |
| Earnings | 55 | 62 (stronger) |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 47th | 83rd |
| Total assets | $184.4M | $140.3M |
| Deposits / shares | $152.1M | $122.8M |
| Capital ratio | 10.31% | 12.49% (stronger) |
| Problem loans | 0.03% (stronger) | 0.25% |
| Net charge-offs | 0.02% (stronger) | 0.10% |
| Return on assets | 0.87% | 1.05% (stronger) |
| Loans ÷ deposits | 94.3% | 54.6% (stronger) |
| Uninsured deposits | 15.4% | 3.1% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.7% |
Clinchfield Federal Credit Union has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Heritage Community Bank leads on 2 and Clinchfield Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.