Side-by-side · Q2 2026 data
Heritage USA Federal Credit Union vs Midland Municipal Employees Credit Union
Credit union
Heritage USA Federal Credit Union
Midland, Texas · Under $100 million in assets
Credit union
Midland Municipal Employees Credit Union
Midland, Texas · Under $100 million in assets
Metric by metric
| Measure | Heritage USA Federal Credit Union | Midland Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 45 | 85 (stronger) |
| Capital cushion | 38 | 99 (stronger) |
| Loan quality | 62 | 85 (stronger) |
| Earnings | 0 | 46 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 79 | 99 (stronger) |
| Peer percentile | 5th | 77th |
| Total assets | $98.5M | $17.1M |
| Deposits / shares | $87.5M | $14.5M |
| Capital ratio | 8.80% | 14.92% (stronger) |
| Problem loans | 1.14% | 0.44% (stronger) |
| Net charge-offs | 1.89% | -0.00% (stronger) |
| Return on assets | -1.02% | 0.65% (stronger) |
| Loans ÷ deposits | 90.6% | 29.5% (stronger) |
| Uninsured deposits | 7.3% | 6.7% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Midland Municipal Employees Credit Union has the higher TellerScore (85 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Heritage USA Federal Credit Union leads on 0 and Midland Municipal Employees Credit Union on 7. 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.