Side-by-side · Q2 2026 data
LNB Community Bank vs Heritage Federal Credit Union
Metric by metric
| Measure | LNB Community Bank | Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 77 (stronger) |
| Capital cushion | 44 | 74 (stronger) |
| Loan quality | 92 (stronger) | 89 |
| Earnings | 86 (stronger) | 57 |
| Funding & liquidity | 42 | 76 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 40th | 82nd |
| Total assets | $181.0M | $1.0B |
| Deposits / shares | $161.3M | $855.9M |
| Capital ratio | 9.36% | 12.35% (stronger) |
| Problem loans | 0.23% (stronger) | 0.33% |
| Net charge-offs | 0.01% (stronger) | 0.31% |
| Return on assets | 1.64% (stronger) | 0.93% |
| Loans ÷ deposits | 85.4% | 84.0% (stronger) |
| Uninsured deposits | 44.6% | 8.8% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 21.5% |
Heritage Federal Credit Union has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), LNB Community Bank leads on 3 and Heritage Federal Credit Union on 4. 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.
Where both have branches
- Newburgh, IN
- Boonville, IN