Side-by-side · Q2 2026 data
Sterling United Federal Credit Union vs Heritage Federal Credit Union
Credit union
Sterling United Federal Credit Union
Evansville, Indiana · $100 million – $1 billion
Metric by metric
| Measure | Sterling United Federal Credit Union | Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 77 (stronger) |
| Capital cushion | 55 | 74 (stronger) |
| Loan quality | 71 | 89 (stronger) |
| Earnings | 38 | 57 (stronger) |
| Funding & liquidity | 85 (stronger) | 76 |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 31st | 82nd |
| Total assets | $101.6M | $1.0B |
| Deposits / shares | $90.5M | $855.9M |
| Capital ratio | 10.50% | 12.35% (stronger) |
| Problem loans | 0.86% | 0.33% (stronger) |
| Net charge-offs | 0.82% | 0.31% (stronger) |
| Return on assets | 0.46% | 0.93% (stronger) |
| Loans ÷ deposits | 74.9% (stronger) | 84.0% |
| Uninsured deposits | 3.9% (stronger) | 8.8% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | 21.5% |
Heritage Federal Credit Union has the higher TellerScore (77 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Sterling United Federal Credit Union leads on 2 and Heritage Federal Credit Union on 5. 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.