Side-by-side · Q2 2026 data
Heritage USA Federal Credit Union vs Cooperative Teachers
Credit union
Heritage USA Federal Credit Union
Midland, Texas · Under $100 million in assets
Metric by metric
| Measure | Heritage USA Federal Credit Union | Cooperative Teachers |
|---|---|---|
| TellerScore | 45 (stronger) | 30 |
| Capital cushion | 38 (stronger) | 29 |
| Loan quality | 62 (stronger) | 0 |
| Earnings | 0 | 32 (stronger) |
| Funding & liquidity | 70 | 85 (stronger) |
| Problem-loan coverage | 79 (stronger) | 22 |
| Peer percentile | 5th | 1st |
| Total assets | $98.5M | $93.8M |
| Deposits / shares | $87.5M | $83.4M |
| Capital ratio | 8.80% (stronger) | 7.88% |
| Problem loans | 1.14% (stronger) | 4.31% |
| Net charge-offs | 1.89% | 0.47% (stronger) |
| Return on assets | -1.02% | 0.30% (stronger) |
| Loans ÷ deposits | 90.6% | 74.8% (stronger) |
| Uninsured deposits | 7.3% | 3.2% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage USA Federal Credit Union has the higher TellerScore (45 vs 30). On the 7 directional measures above (where higher or lower is clearly better), Heritage USA Federal Credit Union leads on 3 and Cooperative Teachers on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.