Side-by-side · Q2 2026 data
Shell Federal Credit Union vs United Heritage Credit Union
Metric by metric
| Measure | Shell Federal Credit Union | United Heritage Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 56 |
| Capital cushion | 84 (stronger) | 49 |
| Loan quality | 76 (stronger) | 59 |
| Earnings | 76 (stronger) | 40 |
| Funding & liquidity | 71 (stronger) | 67 |
| Problem-loan coverage | 91 (stronger) | 81 |
| Peer percentile | 86th | 15th |
| Total assets | $2.1B | $1.7B |
| Deposits / shares | $1.7B | $1.3B |
| Capital ratio | 13.39% (stronger) | 9.87% |
| Problem loans | 0.71% (stronger) | 1.22% |
| Net charge-offs | 1.05% | 0.44% (stronger) |
| Return on assets | 1.40% (stronger) | 0.51% |
| Loans ÷ deposits | 89.4% (stronger) | 92.8% |
| Uninsured deposits | 6.6% (stronger) | 6.8% |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 47.3% | 32.8% |
Shell Federal Credit Union has the higher TellerScore (79 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Shell Federal Credit Union leads on 6 and United Heritage Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.