Side-by-side · Q2 2026 data
Heritage Federal Credit Union vs Daviess County Teachers Federal Credit Union
Credit union
Daviess County Teachers Federal Credit Union
Owensboro, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Heritage Federal Credit Union | Daviess County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 82 (stronger) |
| Capital cushion | 74 | 75 (stronger) |
| Loan quality | 89 (stronger) | 84 |
| Earnings | 57 | 75 (stronger) |
| Funding & liquidity | 76 | 93 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 82nd | 70th |
| Total assets | $1.0B | $75.3M |
| Deposits / shares | $855.9M | $65.8M |
| Capital ratio | 12.35% | 12.47% (stronger) |
| Problem loans | 0.33% (stronger) | 0.49% |
| Net charge-offs | 0.31% (stronger) | 0.59% |
| Return on assets | 0.93% | 1.39% (stronger) |
| Loans ÷ deposits | 84.0% | 67.4% (stronger) |
| Uninsured deposits | 8.8% | 3.7% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.5% | 0.0% |
Daviess County Teachers Federal Credit Union has the higher TellerScore (82 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Heritage Federal Credit Union leads on 2 and Daviess County Teachers Federal 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.