Side-by-side · Q2 2026 data
Members Financial Federal Credit Union vs Southwest Heritage Credit Union
Credit union
Members Financial Federal Credit Union
Midland, Texas · Under $100 million in assets
Metric by metric
| Measure | Members Financial Federal Credit Union | Southwest Heritage Credit Union |
|---|---|---|
| TellerScore | 64 | 83 (stronger) |
| Capital cushion | 38 | 83 (stronger) |
| Loan quality | 95 (stronger) | 93 |
| Earnings | 19 | 68 (stronger) |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 28th | 83rd |
| Total assets | $38.6M | $260.9M |
| Deposits / shares | $34.9M | $225.0M |
| Capital ratio | 8.77% | 13.27% (stronger) |
| Problem loans | 0.16% (stronger) | 0.20% |
| Net charge-offs | 0.29% | 0.19% (stronger) |
| Return on assets | -0.02% | 1.20% (stronger) |
| Loans ÷ deposits | 59.4% (stronger) | 70.2% |
| Uninsured deposits | 8.6% (stronger) | 27.1% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southwest Heritage Credit Union has the higher TellerScore (83 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Members Financial Federal Credit Union leads on 3 and Southwest Heritage 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.