Side-by-side · Q2 2026 data
Ameriserv Financial Bank vs Healthcare First Credit Union
Metric by metric
| Measure | Ameriserv Financial Bank | Healthcare First Credit Union |
|---|---|---|
| TellerScore | 60 | 76 (stronger) |
| Capital cushion | 45 | 85 (stronger) |
| Loan quality | 75 (stronger) | 58 |
| Earnings | 55 | 58 (stronger) |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 90 | 95 (stronger) |
| Peer percentile | 21st | 68th |
| Total assets | $1.5B | $100.6M |
| Deposits / shares | $1.3B | $85.7M |
| Capital ratio | 9.46% | 13.49% (stronger) |
| Problem loans | 0.76% (stronger) | 1.27% |
| Net charge-offs | 0.04% (stronger) | 0.45% |
| Return on assets | 0.88% | 0.94% (stronger) |
| Loans ÷ deposits | 79.3% | 31.6% (stronger) |
| Uninsured deposits | 39.3% | 1.7% (stronger) |
| Offices | 16 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.9% | — |
Healthcare First Credit Union has the higher TellerScore (76 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Ameriserv Financial Bank leads on 2 and Healthcare First 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.