Side-by-side · Q2 2026 data
Members Choice Credit Union vs Members Heritage Credit Union
Metric by metric
| Measure | Members Choice Credit Union | Members Heritage Credit Union |
|---|---|---|
| TellerScore | 59 | 71 (stronger) |
| Capital cushion | 34 | 74 (stronger) |
| Loan quality | 75 (stronger) | 69 |
| Earnings | 45 | 47 (stronger) |
| Funding & liquidity | 83 | 87 (stronger) |
| Problem-loan coverage | 87 | 91 (stronger) |
| Peer percentile | 19th | 54th |
| Total assets | $430.8M | $590.8M |
| Deposits / shares | $388.4M | $515.8M |
| Capital ratio | 8.38% | 12.39% (stronger) |
| Problem loans | 0.76% (stronger) | 0.92% |
| Net charge-offs | 0.50% | 0.26% (stronger) |
| Return on assets | 0.64% | 0.68% (stronger) |
| Loans ÷ deposits | 77.0% | 72.9% (stronger) |
| Uninsured deposits | 8.9% | 7.0% (stronger) |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.5% |
Members Heritage Credit Union has the higher TellerScore (71 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Members Choice Credit Union leads on 1 and Members Heritage Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.