Side-by-side · Q2 2026 data
Liberty Federal Credit Union vs Heritage Federal Credit Union
Metric by metric
| Measure | Liberty Federal Credit Union | Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 77 (stronger) |
| Capital cushion | 59 | 74 (stronger) |
| Loan quality | 85 | 89 (stronger) |
| Earnings | 78 (stronger) | 57 |
| Funding & liquidity | 60 | 76 (stronger) |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 70th | 82nd |
| Total assets | $4.8B | $1.0B |
| Deposits / shares | $3.6B | $855.9M |
| Capital ratio | 10.92% | 12.35% (stronger) |
| Problem loans | 0.45% | 0.33% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.31% |
| Return on assets | 1.45% (stronger) | 0.93% |
| Loans ÷ deposits | 100.3% | 84.0% (stronger) |
| Uninsured deposits | 13.2% | 8.8% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.5% |
Heritage Federal Credit Union has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Liberty Federal Credit Union leads on 2 and Heritage Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.