Side-by-side · Q2 2026 data
Spencer County Bank vs Heritage Federal Credit Union
Metric by metric
| Measure | Spencer County Bank | Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 77 (stronger) |
| Capital cushion | 96 (stronger) | 74 |
| Loan quality | 0 | 89 (stronger) |
| Earnings | 51 | 57 (stronger) |
| Funding & liquidity | 79 (stronger) | 76 |
| Problem-loan coverage | 75 | 96 (stronger) |
| Peer percentile | 16th | 82nd |
| Total assets | $131.2M | $1.0B |
| Deposits / shares | $111.6M | $855.9M |
| Capital ratio | 14.57% (stronger) | 12.35% |
| Problem loans | 3.00% | 0.33% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.31% |
| Return on assets | 0.79% | 0.93% (stronger) |
| Loans ÷ deposits | 69.9% (stronger) | 84.0% |
| Uninsured deposits | 25.1% | 8.8% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.5% |
Heritage Federal Credit Union has the higher TellerScore (77 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Spencer County Bank leads on 3 and Heritage Federal Credit Union on 4. 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.