Side-by-side · Q2 2026 data
Owensboro Federal Credit Union vs Heritage Federal Credit Union
Credit union
Owensboro Federal Credit Union
Owensboro, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Owensboro Federal Credit Union | Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 77 |
| Capital cushion | 92 (stronger) | 74 |
| Loan quality | 91 (stronger) | 89 |
| Earnings | 62 (stronger) | 57 |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 85th | 82nd |
| Total assets | $88.3M | $1.0B |
| Deposits / shares | $75.0M | $855.9M |
| Capital ratio | 14.21% (stronger) | 12.35% |
| Problem loans | 0.26% (stronger) | 0.33% |
| Net charge-offs | 0.16% (stronger) | 0.31% |
| Return on assets | 1.05% (stronger) | 0.93% |
| Loans ÷ deposits | 48.2% (stronger) | 84.0% |
| Uninsured deposits | 2.0% (stronger) | 8.8% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.5% |
Owensboro Federal Credit Union has the higher TellerScore (88 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Owensboro Federal Credit Union leads on 7 and Heritage Federal Credit Union on 0. 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.