Side-by-side · Q2 2026 data
MountainOne Bank vs Heritage Family Federal Credit Union
Metric by metric
| Measure | MountainOne Bank | Heritage Family Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 71 |
| Capital cushion | 97 (stronger) | 71 |
| Loan quality | 65 | 71 (stronger) |
| Earnings | 69 (stronger) | 60 |
| Funding & liquidity | 33 | 74 (stronger) |
| Problem-loan coverage | 89 | 89 |
| Peer percentile | 70th | 54th |
| Total assets | $1.1B | $869.8M |
| Deposits / shares | $774.3M | $736.1M |
| Capital ratio | 14.75% (stronger) | 12.08% |
| Problem loans | 1.06% | 0.86% (stronger) |
| Net charge-offs | 0.16% (stronger) | 0.59% |
| Return on assets | 1.22% (stronger) | 1.00% |
| Loans ÷ deposits | 107.0% | 85.9% (stronger) |
| Uninsured deposits | 33.6% | 8.2% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.4% | — |
MountainOne Bank has the higher TellerScore (73 vs 71). On the 7 directional measures above (where higher or lower is clearly better), MountainOne Bank leads on 4 and Heritage Family Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.