Side-by-side · Q2 2026 data
Maple City Savings Bank, FSB vs First Heritage Federal Credit Union
Metric by metric
| Measure | Maple City Savings Bank, FSB | First Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 72 (stronger) |
| Capital cushion | 45 | 61 (stronger) |
| Loan quality | 52 | 85 (stronger) |
| Earnings | 46 | 58 (stronger) |
| Funding & liquidity | 79 (stronger) | 78 |
| Problem-loan coverage | 78 | 94 (stronger) |
| Peer percentile | 11th | 57th |
| Total assets | $121.8M | $839.7M |
| Deposits / shares | $108.4M | $748.4M |
| Capital ratio | 9.46% | 11.06% (stronger) |
| Problem loans | 1.44% | 0.44% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.28% |
| Return on assets | 0.65% | 0.96% (stronger) |
| Loans ÷ deposits | 81.6% (stronger) | 82.1% |
| Uninsured deposits | 6.0% (stronger) | 9.5% |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 24.0% |
First Heritage Federal Credit Union has the higher TellerScore (72 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Maple City Savings Bank, FSB leads on 3 and First 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.