Side-by-side · Q2 2026 data
SoFi Bank, National Association vs Heritage Community Credit Union
Credit union
Heritage Community Credit Union
Rancho Cordova, California · $100 million – $1 billion
Metric by metric
| Measure | SoFi Bank, National Association | Heritage Community Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 58 |
| Capital cushion | 83 (stronger) | 48 |
| Loan quality | 97 (stronger) | 75 |
| Earnings | 99 (stronger) | 32 |
| Funding & liquidity | 60 | 64 (stronger) |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 99th | 16th |
| Total assets | $56.8B | $283.4M |
| Deposits / shares | $46.8B | $252.3M |
| Capital ratio | 13.34% (stronger) | 9.81% |
| Problem loans | 0.08% (stronger) | 0.75% |
| Net charge-offs | 0.08% (stronger) | 0.57% |
| Return on assets | 1.98% (stronger) | 0.31% |
| Loans ÷ deposits | 99.8% | 96.6% (stronger) |
| Uninsured deposits | 5.0% (stronger) | 8.7% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | 7,444 | — |
| Complaints per $1B deposits | 159.1 | — |
| Mortgage denial rate (HMDA) | — | 20.0% |
SoFi Bank, National Association has the higher TellerScore (88 vs 58). On the 7 directional measures above (where higher or lower is clearly better), SoFi Bank, National Association leads on 6 and Heritage Community Credit Union on 1. 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.