Side-by-side · Q2 2026 data
Heritage Federal Credit Union vs Notre Dame Federal Credit Union
Metric by metric
| Measure | Heritage Federal Credit Union | Notre Dame Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 64 |
| Capital cushion | 74 (stronger) | 60 |
| Loan quality | 89 (stronger) | 80 |
| Earnings | 57 (stronger) | 50 |
| Funding & liquidity | 76 (stronger) | 47 |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 82nd | 36th |
| Total assets | $1.0B | $1.4B |
| Deposits / shares | $855.9M | $1.2B |
| Capital ratio | 12.35% (stronger) | 11.00% |
| Problem loans | 0.33% (stronger) | 0.59% |
| Net charge-offs | 0.31% (stronger) | 0.32% |
| Return on assets | 0.93% (stronger) | 0.76% |
| Loans ÷ deposits | 84.0% (stronger) | 100.1% |
| Uninsured deposits | 8.8% (stronger) | 26.8% |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.5% | 19.7% |
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 7 and Notre Dame Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.