Side-by-side · Q2 2026 data
Naheola Credit Union vs Heritage South Credit Union
Metric by metric
| Measure | Naheola Credit Union | Heritage South Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 52 |
| Loan quality | 34 | 71 (stronger) |
| Earnings | 86 (stronger) | 47 |
| Funding & liquidity | 66 | 81 (stronger) |
| Problem-loan coverage | 84 (stronger) | 82 |
| Peer percentile | 63rd | 29th |
| Total assets | $219.6M | $183.7M |
| Deposits / shares | $178.7M | $165.8M |
| Capital ratio | 18.00% (stronger) | 10.18% |
| Problem loans | 1.97% | 0.88% (stronger) |
| Net charge-offs | 0.16% (stronger) | 0.43% |
| Return on assets | 1.66% (stronger) | 0.68% |
| Loans ÷ deposits | 87.6% | 79.6% (stronger) |
| Uninsured deposits | 20.7% | 2.8% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.0% |
Naheola Credit Union has the higher TellerScore (74 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Naheola Credit Union leads on 4 and Heritage South Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.