Side-by-side · Q2 2026 data
Heritage Family Federal Credit Union vs 802 Credit Union
Metric by metric
| Measure | Heritage Family Federal Credit Union | 802 Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 67 |
| Capital cushion | 71 | 75 (stronger) |
| Loan quality | 71 (stronger) | 50 |
| Earnings | 60 | 66 (stronger) |
| Funding & liquidity | 74 (stronger) | 72 |
| Problem-loan coverage | 89 (stronger) | 81 |
| Peer percentile | 54th | 41st |
| Total assets | $869.8M | $507.7M |
| Deposits / shares | $736.1M | $440.1M |
| Capital ratio | 12.08% | 12.54% (stronger) |
| Problem loans | 0.86% (stronger) | 1.50% |
| Net charge-offs | 0.59% | 0.35% (stronger) |
| Return on assets | 1.00% | 1.14% (stronger) |
| Loans ÷ deposits | 85.9% (stronger) | 88.4% |
| Uninsured deposits | 8.2% | 3.4% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.6% |
Heritage Family Federal Credit Union has the higher TellerScore (71 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Heritage Family Federal Credit Union leads on 3 and 802 Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.