Side-by-side · Q2 2026 data
On the Grid Financial Federal Credit Union vs H E a Federal Credit Union
Credit union
On the Grid Financial Federal Credit Union
Atlanta, Georgia · Under $100 million in assets
Metric by metric
| Measure | On the Grid Financial Federal Credit Union | H E a Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 73 |
| Capital cushion | 89 (stronger) | 85 |
| Loan quality | 88 (stronger) | 28 |
| Earnings | 19 | 84 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 57th | 47th |
| Total assets | $45.3M | $42.9M |
| Deposits / shares | $38.7M | $37.1M |
| Capital ratio | 13.88% (stronger) | 13.51% |
| Problem loans | 0.37% (stronger) | 2.17% |
| Net charge-offs | 0.48% | 0.15% (stronger) |
| Return on assets | -0.02% | 1.60% (stronger) |
| Loans ÷ deposits | 47.0% (stronger) | 53.7% |
| Uninsured deposits | 1.8% (stronger) | 4.3% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
On the Grid Financial Federal Credit Union has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), On the Grid Financial Federal Credit Union leads on 5 and H E a Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.