Side-by-side · Q2 2026 data
Heritage USA Federal Credit Union vs Citizens Federal Credit Union
Credit union
Heritage USA Federal Credit Union
Midland, Texas · Under $100 million in assets
Metric by metric
| Measure | Heritage USA Federal Credit Union | Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 45 | 90 (stronger) |
| Capital cushion | 38 | 96 (stronger) |
| Loan quality | 62 | 96 (stronger) |
| Earnings | 0 | 87 (stronger) |
| Funding & liquidity | 70 (stronger) | 66 |
| Problem-loan coverage | 79 | 98 (stronger) |
| Peer percentile | 5th | 95th |
| Total assets | $98.5M | $201.9M |
| Deposits / shares | $87.5M | $173.8M |
| Capital ratio | 8.80% | 14.60% (stronger) |
| Problem loans | 1.14% | 0.13% (stronger) |
| Net charge-offs | 1.89% | 0.39% (stronger) |
| Return on assets | -1.02% | 1.68% (stronger) |
| Loans ÷ deposits | 90.6% | 77.2% (stronger) |
| Uninsured deposits | 7.3% (stronger) | 30.3% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Heritage USA Federal Credit Union leads on 1 and Citizens Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.