Side-by-side · Q2 2026 data
Santa Barbara Teachers Federal Credit Union vs Heritage Community Credit Union
Credit union
Santa Barbara Teachers Federal Credit Union
Santa Barbara, California · $100 million – $1 billion
Credit union
Heritage Community Credit Union
Rancho Cordova, California · $100 million – $1 billion
Metric by metric
| Measure | Santa Barbara Teachers Federal Credit Union | Heritage Community Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 58 |
| Capital cushion | 88 (stronger) | 48 |
| Loan quality | 100 (stronger) | 75 |
| Earnings | 56 (stronger) | 32 |
| Funding & liquidity | 100 (stronger) | 64 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 92nd | 16th |
| Total assets | $308.5M | $283.4M |
| Deposits / shares | $264.3M | $252.3M |
| Capital ratio | 13.82% (stronger) | 9.81% |
| Problem loans | 0.01% (stronger) | 0.75% |
| Net charge-offs | 0.00% (stronger) | 0.57% |
| Return on assets | 0.91% (stronger) | 0.31% |
| Loans ÷ deposits | 21.9% (stronger) | 96.6% |
| Uninsured deposits | 5.2% (stronger) | 8.7% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | 20.0% |
Santa Barbara Teachers Federal Credit Union has the higher TellerScore (88 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Santa Barbara Teachers Federal Credit Union leads on 7 and Heritage Community Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.