Side-by-side · Q2 2026 data
Heritage Family Federal Credit Union vs One Credit Union
Metric by metric
| Measure | Heritage Family Federal Credit Union | One Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 45 |
| Capital cushion | 71 (stronger) | 28 |
| Loan quality | 71 (stronger) | 49 |
| Earnings | 60 (stronger) | 27 |
| Funding & liquidity | 74 | 82 (stronger) |
| Problem-loan coverage | 89 (stronger) | 71 |
| Peer percentile | 54th | 3rd |
| Total assets | $869.8M | $263.6M |
| Deposits / shares | $736.1M | $245.4M |
| Capital ratio | 12.08% (stronger) | 7.79% |
| Problem loans | 0.86% (stronger) | 1.52% |
| Net charge-offs | 0.59% | 0.55% (stronger) |
| Return on assets | 1.00% (stronger) | 0.18% |
| Loans ÷ deposits | 85.9% | 77.8% (stronger) |
| Uninsured deposits | 8.2% | 3.8% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.1% |
Heritage Family Federal Credit Union has the higher TellerScore (71 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Heritage Family Federal Credit Union leads on 4 and One Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.