Side-by-side · Q2 2026 data
Simmesport State Bank vs Heart of Louisiana Federal Credit Union
Credit union
Heart of Louisiana Federal Credit Union
Pineville, Louisiana · $100 million – $1 billion
Metric by metric
| Measure | Simmesport State Bank | Heart of Louisiana Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 84 (stronger) |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 0 | 88 (stronger) |
| Earnings | 80 (stronger) | 39 |
| Funding & liquidity | 71 | 93 (stronger) |
| Problem-loan coverage | 54 | 98 (stronger) |
| Peer percentile | 10th | 86th |
| Total assets | $198.5M | $143.2M |
| Deposits / shares | $173.0M | $120.5M |
| Capital ratio | 12.28% | 16.71% (stronger) |
| Problem loans | 3.15% | 0.35% (stronger) |
| Net charge-offs | 0.66% | 0.53% (stronger) |
| Return on assets | 1.50% (stronger) | 0.48% |
| Loans ÷ deposits | 89.7% | 67.1% (stronger) |
| Uninsured deposits | 11.8% | 2.3% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 42.9% |
Heart of Louisiana Federal Credit Union has the higher TellerScore (84 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Simmesport State Bank leads on 1 and Heart of Louisiana Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.