Side-by-side · Q2 2026 data
The First National Bank of Stanton vs Heritage USA Federal Credit Union
Credit union
Heritage USA Federal Credit Union
Midland, Texas · Under $100 million in assets
Metric by metric
| Measure | The First National Bank of Stanton | Heritage USA Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 45 |
| Capital cushion | 100 (stronger) | 38 |
| Loan quality | 64 (stronger) | 62 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 63 | 70 (stronger) |
| Problem-loan coverage | 97 (stronger) | 79 |
| Peer percentile | 88th | 5th |
| Total assets | $394.9M | $98.5M |
| Deposits / shares | $328.4M | $87.5M |
| Capital ratio | 17.49% (stronger) | 8.80% |
| Problem loans | 1.08% (stronger) | 1.14% |
| Net charge-offs | 0.03% (stronger) | 1.89% |
| Return on assets | 2.52% (stronger) | -1.02% |
| Loans ÷ deposits | 29.9% (stronger) | 90.6% |
| Uninsured deposits | 48.3% | 7.3% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Stanton has the higher TellerScore (85 vs 45). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Stanton leads on 6 and Heritage USA Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.