Side-by-side · Q2 2026 data
Midwest Heritage Bank, FSB vs Serve Credit Union
Metric by metric
| Measure | Midwest Heritage Bank, FSB | Serve Credit Union |
|---|---|---|
| TellerScore | 68 | 84 (stronger) |
| Capital cushion | 78 | 100 (stronger) |
| Loan quality | 41 | 73 (stronger) |
| Earnings | 90 (stronger) | 78 |
| Funding & liquidity | 57 | 73 (stronger) |
| Problem-loan coverage | 81 | 94 (stronger) |
| Peer percentile | 37th | 86th |
| Total assets | $768.3M | $101.3M |
| Deposits / shares | $649.6M | $82.2M |
| Capital ratio | 12.82% | 18.08% (stronger) |
| Problem loans | 1.78% | 0.81% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.21% |
| Return on assets | 1.75% (stronger) | 1.44% |
| Loans ÷ deposits | 80.3% (stronger) | 87.2% |
| Uninsured deposits | 35.4% | 2.6% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.2% | 12.1% |
Serve Credit Union has the higher TellerScore (84 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Midwest Heritage Bank, FSB leads on 3 and Serve 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.