Side-by-side · Q2 2026 data
United Fidelity Bank, fsb vs Heritage Federal Credit Union
Metric by metric
| Measure | United Fidelity Bank, fsb | Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 77 (stronger) |
| Capital cushion | 52 | 74 (stronger) |
| Loan quality | 84 | 89 (stronger) |
| Earnings | 16 | 57 (stronger) |
| Funding & liquidity | 98 (stronger) | 76 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 33rd | 82nd |
| Total assets | $6.5B | $1.0B |
| Deposits / shares | $5.6B | $855.9M |
| Capital ratio | 10.16% | 12.35% (stronger) |
| Problem loans | 0.49% | 0.33% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.31% |
| Return on assets | -0.09% | 0.93% (stronger) |
| Loans ÷ deposits | 59.7% (stronger) | 84.0% |
| Uninsured deposits | 17.2% | 8.8% (stronger) |
| Offices | 22 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 37.5% | 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), United Fidelity Bank, fsb 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.