Side-by-side · Q2 2026 data
International Bank of Chicago vs Heritage Financial Federal Credit Union
Credit union
Heritage Financial Federal Credit Union
Middletown, New York · $100 million – $1 billion
Metric by metric
| Measure | International Bank of Chicago | Heritage Financial Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 50 |
| Capital cushion | 75 (stronger) | 53 |
| Loan quality | 98 (stronger) | 46 |
| Earnings | 93 (stronger) | 29 |
| Funding & liquidity | 46 | 61 (stronger) |
| Problem-loan coverage | 91 (stronger) | 74 |
| Peer percentile | 82nd | 6th |
| Total assets | $982.7M | $808.0M |
| Deposits / shares | $863.0M | $673.7M |
| Capital ratio | 12.54% (stronger) | 10.26% |
| Problem loans | 0.05% (stronger) | 1.61% |
| Net charge-offs | -0.00% (stronger) | 0.52% |
| Return on assets | 1.82% (stronger) | 0.23% |
| Loans ÷ deposits | 85.2% (stronger) | 99.1% |
| Uninsured deposits | 41.4% | 4.6% (stronger) |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.1% | — |
International Bank of Chicago has the higher TellerScore (82 vs 50). On the 7 directional measures above (where higher or lower is clearly better), International Bank of Chicago leads on 6 and Heritage Financial Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.