Side-by-side · Q2 2026 data
Southwest Heritage Credit Union vs Energy Capital Credit Union
Metric by metric
| Measure | Southwest Heritage Credit Union | Energy Capital Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 52 |
| Capital cushion | 83 (stronger) | 46 |
| Loan quality | 93 (stronger) | 79 |
| Earnings | 68 (stronger) | 0 |
| Funding & liquidity | 77 (stronger) | 66 |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 83rd | 8th |
| Total assets | $260.9M | $261.4M |
| Deposits / shares | $225.0M | $229.2M |
| Capital ratio | 13.27% (stronger) | 9.59% |
| Problem loans | 0.20% (stronger) | 0.64% |
| Net charge-offs | 0.19% (stronger) | 1.81% |
| Return on assets | 1.20% (stronger) | -0.91% |
| Loans ÷ deposits | 70.2% (stronger) | 94.2% |
| Uninsured deposits | 27.1% | 10.3% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southwest Heritage Credit Union has the higher TellerScore (83 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Southwest Heritage Credit Union leads on 6 and Energy Capital Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.