Side-by-side · Q2 2026 data
United Heritage Credit Union vs First Service Credit Union
Metric by metric
| Measure | United Heritage Credit Union | First Service Credit Union |
|---|---|---|
| TellerScore | 56 | 64 (stronger) |
| Capital cushion | 49 | 59 (stronger) |
| Loan quality | 59 | 79 (stronger) |
| Earnings | 40 (stronger) | 39 |
| Funding & liquidity | 67 | 67 |
| Problem-loan coverage | 81 | 88 (stronger) |
| Peer percentile | 15th | 36th |
| Total assets | $1.7B | $1.5B |
| Deposits / shares | $1.3B | $1.3B |
| Capital ratio | 9.87% | 10.94% (stronger) |
| Problem loans | 1.22% | 0.62% (stronger) |
| Net charge-offs | 0.44% (stronger) | 0.84% |
| Return on assets | 0.51% (stronger) | 0.49% |
| Loans ÷ deposits | 92.8% (stronger) | 93.2% |
| Uninsured deposits | 6.8% (stronger) | 11.7% |
| Offices | 9 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.8% | 11.1% |
First Service Credit Union has the higher TellerScore (64 vs 56). On the 7 directional measures above (where higher or lower is clearly better), United Heritage Credit Union leads on 4 and First Service Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.