Side-by-side · Q2 2026 data
Southwest Heritage Bank vs Aero Federal Credit Union
Metric by metric
| Measure | Southwest Heritage Bank | Aero Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 79 (stronger) |
| Capital cushion | 84 (stronger) | 70 |
| Loan quality | 78 | 96 (stronger) |
| Earnings | 56 | 70 (stronger) |
| Funding & liquidity | 50 | 67 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 53rd | 76th |
| Total assets | $892.8M | $364.4M |
| Deposits / shares | $753.6M | $317.8M |
| Capital ratio | 13.36% (stronger) | 11.97% |
| Problem loans | 0.67% | 0.11% (stronger) |
| Net charge-offs | 0.29% (stronger) | 0.30% |
| Return on assets | 0.90% | 1.26% (stronger) |
| Loans ÷ deposits | 92.7% (stronger) | 93.7% |
| Uninsured deposits | 30.8% | 10.2% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.1% |
Aero Federal Credit Union has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Southwest Heritage Bank leads on 3 and Aero Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.