Side-by-side · Q2 2026 data
Heritage Federal Credit Union vs Indiana University Credit Union
Metric by metric
| Measure | Heritage Federal Credit Union | Indiana University Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 72 |
| Capital cushion | 74 (stronger) | 68 |
| Loan quality | 89 (stronger) | 78 |
| Earnings | 57 | 63 (stronger) |
| Funding & liquidity | 76 (stronger) | 72 |
| Problem-loan coverage | 96 (stronger) | 91 |
| Peer percentile | 82nd | 66th |
| Total assets | $1.0B | $2.1B |
| Deposits / shares | $855.9M | $1.8B |
| Capital ratio | 12.35% (stronger) | 11.80% |
| Problem loans | 0.33% (stronger) | 0.67% |
| Net charge-offs | 0.31% | 0.11% (stronger) |
| Return on assets | 0.93% | 1.06% (stronger) |
| Loans ÷ deposits | 84.0% (stronger) | 88.5% |
| Uninsured deposits | 8.8% (stronger) | 14.3% |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.5% | 17.1% |
Heritage Federal Credit Union has the higher TellerScore (77 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Heritage Federal Credit Union leads on 5 and Indiana University Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.