Side-by-side · Q2 2026 data
Southwest Heritage Bank vs Loco Credit Union
Metric by metric
| Measure | Southwest Heritage Bank | Loco Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 46 |
| Capital cushion | 84 (stronger) | 80 |
| Loan quality | 78 (stronger) | 0 |
| Earnings | 56 (stronger) | 4 |
| Funding & liquidity | 50 | 92 (stronger) |
| Problem-loan coverage | 93 (stronger) | 78 |
| Peer percentile | 53rd | 6th |
| Total assets | $892.8M | $60.8M |
| Deposits / shares | $753.6M | $52.3M |
| Capital ratio | 13.36% (stronger) | 12.95% |
| Problem loans | 0.67% (stronger) | 3.20% |
| Net charge-offs | 0.29% (stronger) | 1.80% |
| Return on assets | 0.90% (stronger) | -0.40% |
| Loans ÷ deposits | 92.7% | 46.1% (stronger) |
| Uninsured deposits | 30.8% | 22.3% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southwest Heritage Bank has the higher TellerScore (73 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Southwest Heritage Bank leads on 5 and Loco Credit Union on 2. 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.