Side-by-side · Q2 2026 data
District #6 Federal Credit Union vs First Heritage Federal Credit Union
Credit union
District #6 Federal Credit Union
Hornell, New York · Under $100 million in assets
Metric by metric
| Measure | District #6 Federal Credit Union | First Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 51 | 72 (stronger) |
| Capital cushion | 25 | 61 (stronger) |
| Loan quality | 77 | 85 (stronger) |
| Earnings | 0 | 58 (stronger) |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 10th | 57th |
| Total assets | $24.6M | $839.7M |
| Deposits / shares | $22.8M | $748.4M |
| Capital ratio | 7.46% | 11.06% (stronger) |
| Problem loans | 0.68% | 0.44% (stronger) |
| Net charge-offs | 1.39% | 0.28% (stronger) |
| Return on assets | -1.12% | 0.96% (stronger) |
| Loans ÷ deposits | 42.9% (stronger) | 82.1% |
| Uninsured deposits | 0.5% (stronger) | 9.5% |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 24.0% |
First Heritage Federal Credit Union has the higher TellerScore (72 vs 51). On the 7 directional measures above (where higher or lower is clearly better), District #6 Federal Credit Union leads on 2 and First Heritage Federal 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.