Side-by-side · Q2 2026 data
United Federal Credit Union vs Country Heritage Credit Union
Metric by metric
| Measure | United Federal Credit Union | Country Heritage Credit Union |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 76 (stronger) | 49 |
| Earnings | 80 (stronger) | 76 |
| Funding & liquidity | 68 (stronger) | 54 |
| Problem-loan coverage | 90 | 90 |
| Peer percentile | 75th | 52nd |
| Total assets | $4.4B | $51.4M |
| Deposits / shares | $3.7B | $39.7M |
| Capital ratio | 11.94% | 22.46% (stronger) |
| Problem loans | 0.71% (stronger) | 1.54% |
| Net charge-offs | 0.61% | 0.00% (stronger) |
| Return on assets | 1.50% (stronger) | 1.41% |
| Loans ÷ deposits | 88.4% (stronger) | 96.3% |
| Uninsured deposits | 18.0% (stronger) | 23.4% |
| Offices | 16 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), United Federal Credit Union leads on 4 and Country Heritage 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.
Where both have branches
- Buchanan, MI