Side-by-side · Q2 2026 data
Riverfall Credit Union vs Heritage South Credit Union
Metric by metric
| Measure | Riverfall Credit Union | Heritage South Credit Union |
|---|---|---|
| TellerScore | 60 | 63 (stronger) |
| Capital cushion | 70 (stronger) | 52 |
| Loan quality | 36 | 71 (stronger) |
| Earnings | 34 | 47 (stronger) |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 83 (stronger) | 82 |
| Peer percentile | 21st | 29th |
| Total assets | $193.9M | $183.7M |
| Deposits / shares | $175.1M | $165.8M |
| Capital ratio | 11.95% (stronger) | 10.18% |
| Problem loans | 1.93% | 0.88% (stronger) |
| Net charge-offs | 0.26% (stronger) | 0.43% |
| Return on assets | 0.35% | 0.68% (stronger) |
| Loans ÷ deposits | 50.3% (stronger) | 79.6% |
| Uninsured deposits | 8.4% | 2.8% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.0% |
Heritage South Credit Union has the higher TellerScore (63 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Riverfall Credit Union leads on 3 and Heritage South Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.