Side-by-side · Q2 2026 data
Citizens & Northern Bank vs First Heritage Federal Credit Union
Metric by metric
| Measure | Citizens & Northern Bank | First Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 72 (stronger) |
| Capital cushion | 50 | 61 (stronger) |
| Loan quality | 43 | 85 (stronger) |
| Earnings | 58 | 58 |
| Funding & liquidity | 53 | 78 (stronger) |
| Problem-loan coverage | 79 | 94 (stronger) |
| Peer percentile | 11th | 57th |
| Total assets | $3.1B | $839.7M |
| Deposits / shares | $2.6B | $748.4M |
| Capital ratio | 9.96% | 11.06% (stronger) |
| Problem loans | 1.70% | 0.44% (stronger) |
| Net charge-offs | 0.88% | 0.28% (stronger) |
| Return on assets | 0.96% (stronger) | 0.96% |
| Loans ÷ deposits | 88.9% | 82.1% (stronger) |
| Uninsured deposits | 31.4% | 9.5% (stronger) |
| Offices | 34 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 24.0% |
First Heritage Federal Credit Union has the higher TellerScore (72 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Citizens & Northern Bank leads on 1 and First Heritage Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hornell, NY
- Mansfield, PA
- Wellsboro, PA