Side-by-side · Q2 2026 data
Midwest America Federal Credit Union vs Heritage Federal Credit Union
Credit union
Midwest America Federal Credit Union
Fort Wayne, Indiana · $1 billion – $10 billion
Metric by metric
| Measure | Midwest America Federal Credit Union | Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 77 |
| Capital cushion | 98 (stronger) | 74 |
| Loan quality | 70 | 89 (stronger) |
| Earnings | 66 (stronger) | 57 |
| Funding & liquidity | 68 | 76 (stronger) |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 86th | 82nd |
| Total assets | $1.0B | $1.0B |
| Deposits / shares | $846.4M | $855.9M |
| Capital ratio | 14.80% (stronger) | 12.35% |
| Problem loans | 0.90% | 0.33% (stronger) |
| Net charge-offs | 0.47% | 0.31% (stronger) |
| Return on assets | 1.14% (stronger) | 0.93% |
| Loans ÷ deposits | 92.2% | 84.0% (stronger) |
| Uninsured deposits | 7.0% (stronger) | 8.8% |
| Offices | 17 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.2% | 21.5% |
Midwest America Federal Credit Union has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Midwest America Federal Credit Union leads on 4 and Heritage Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.