Side-by-side · Q2 2026 data
Citadel Federal Credit Union vs American Heritage Federal Credit Union
Credit union
American Heritage Federal Credit Union
Philadelphia, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | Citadel Federal Credit Union | American Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 61 (stronger) | 51 |
| Capital cushion | 43 (stronger) | 35 |
| Loan quality | 89 (stronger) | 59 |
| Earnings | 39 | 41 (stronger) |
| Funding & liquidity | 55 | 75 (stronger) |
| Problem-loan coverage | 93 (stronger) | 66 |
| Peer percentile | 27th | 7th |
| Total assets | $6.9B | $5.4B |
| Deposits / shares | $5.8B | $4.4B |
| Capital ratio | 9.31% (stronger) | 8.54% |
| Problem loans | 0.33% (stronger) | 1.23% |
| Net charge-offs | 0.39% (stronger) | 0.84% |
| Return on assets | 0.46% | 0.53% (stronger) |
| Loans ÷ deposits | 104.8% | 84.8% (stronger) |
| Uninsured deposits | 12.8% (stronger) | 15.6% |
| Offices | 11 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 29.0% | — |
Citadel Federal Credit Union has the higher TellerScore (61 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Citadel Federal Credit Union leads on 5 and American Heritage Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.