Side-by-side · Q2 2026 data
Heritage USA Federal Credit Union vs Coastal Community Federal Credit Union
Credit union
Heritage USA Federal Credit Union
Midland, Texas · Under $100 million in assets
Credit union
Coastal Community Federal Credit Union
Galveston, Texas · Under $100 million in assets
Metric by metric
| Measure | Heritage USA Federal Credit Union | Coastal Community Federal Credit Union |
|---|---|---|
| TellerScore | 45 (stronger) | 39 |
| Capital cushion | 38 | 49 (stronger) |
| Loan quality | 62 (stronger) | 7 |
| Earnings | 0 | 0 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 79 (stronger) | 72 |
| Peer percentile | 5th | 3rd |
| Total assets | $98.5M | $93.3M |
| Deposits / shares | $87.5M | $83.5M |
| Capital ratio | 8.80% | 9.95% (stronger) |
| Problem loans | 1.14% (stronger) | 2.79% |
| Net charge-offs | 1.89% | 1.69% (stronger) |
| Return on assets | -1.02% | -1.01% (stronger) |
| Loans ÷ deposits | 90.6% | 55.4% (stronger) |
| Uninsured deposits | 7.3% | 3.1% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage USA Federal Credit Union has the higher TellerScore (45 vs 39). On the 7 directional measures above (where higher or lower is clearly better), Heritage USA Federal Credit Union leads on 2 and Coastal Community Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.