Side-by-side · Q2 2026 data
Century Heritage Federal Credit Union vs First Capital Federal Credit Union
Credit union
Century Heritage Federal Credit Union
Pittsburgh, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Century Heritage Federal Credit Union | First Capital Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 81 (stronger) |
| Capital cushion | 65 | 70 (stronger) |
| Loan quality | 75 | 93 (stronger) |
| Earnings | 61 | 63 (stronger) |
| Funding & liquidity | 85 | 94 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 57th | 80th |
| Total assets | $289.5M | $368.5M |
| Deposits / shares | $251.4M | $322.4M |
| Capital ratio | 11.48% | 11.95% (stronger) |
| Problem loans | 0.75% | 0.20% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.12% |
| Return on assets | 1.01% | 1.07% (stronger) |
| Loans ÷ deposits | 75.3% | 66.6% (stronger) |
| Uninsured deposits | 4.3% | 3.7% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | 18.7% |
First Capital Federal Credit Union has the higher TellerScore (81 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Century Heritage Federal Credit Union leads on 1 and First Capital Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.