Side-by-side · Q2 2026 data
Heritage Grove Federal Credit Union vs First Community Credit Union
Metric by metric
| Measure | Heritage Grove Federal Credit Union | First Community Credit Union |
|---|---|---|
| TellerScore | 67 | 86 (stronger) |
| Capital cushion | 69 | 83 (stronger) |
| Loan quality | 61 | 99 (stronger) |
| Earnings | 46 | 72 (stronger) |
| Funding & liquidity | 90 (stronger) | 79 |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 41st | 95th |
| Total assets | $167.2M | $1.9B |
| Deposits / shares | $146.9M | $1.6B |
| Capital ratio | 11.86% | 13.29% (stronger) |
| Problem loans | 1.17% | 0.04% (stronger) |
| Net charge-offs | 0.41% | 0.04% (stronger) |
| Return on assets | 0.65% | 1.31% (stronger) |
| Loans ÷ deposits | 70.5% (stronger) | 81.0% |
| Uninsured deposits | 4.0% (stronger) | 6.3% |
| Offices | 1 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | — |
First Community Credit Union has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Heritage Grove Federal Credit Union leads on 2 and First Community 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.