Side-by-side · Q2 2026 data
Heritage Federal Credit Union vs Interra Credit Union
Metric by metric
| Measure | Heritage Federal Credit Union | Interra Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 64 |
| Capital cushion | 74 (stronger) | 41 |
| Loan quality | 89 | 95 (stronger) |
| Earnings | 57 (stronger) | 52 |
| Funding & liquidity | 76 (stronger) | 55 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 82nd | 36th |
| Total assets | $1.0B | $2.1B |
| Deposits / shares | $855.9M | $1.7B |
| Capital ratio | 12.35% (stronger) | 9.13% |
| Problem loans | 0.33% | 0.16% (stronger) |
| Net charge-offs | 0.31% | 0.09% (stronger) |
| Return on assets | 0.93% (stronger) | 0.80% |
| Loans ÷ deposits | 84.0% (stronger) | 105.2% |
| Uninsured deposits | 8.8% | 0.0% (stronger) |
| Offices | 7 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.5% | 23.2% |
Heritage Federal Credit Union has the higher TellerScore (77 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Heritage Federal Credit Union leads on 4 and Interra Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.