Side-by-side · Q2 2026 data
First Federal Savings of Middletown vs Heritage Financial Federal Credit Union
Credit union
Heritage Financial Federal Credit Union
Middletown, New York · $100 million – $1 billion
Metric by metric
| Measure | First Federal Savings of Middletown | Heritage Financial Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 100 (stronger) | 46 |
| Earnings | 94 (stronger) | 29 |
| Funding & liquidity | 37 | 61 (stronger) |
| Problem-loan coverage | 100 (stronger) | 74 |
| Peer percentile | 94th | 6th |
| Total assets | $188.0M | $808.0M |
| Deposits / shares | $112.3M | $673.7M |
| Capital ratio | 36.94% (stronger) | 10.26% |
| Problem loans | 0.00% (stronger) | 1.61% |
| Net charge-offs | 0.46% (stronger) | 0.52% |
| Return on assets | 1.86% (stronger) | 0.23% |
| Loans ÷ deposits | 132.6% | 99.1% (stronger) |
| Uninsured deposits | 26.9% | 4.6% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Federal Savings of Middletown has the higher TellerScore (89 vs 50). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings of Middletown leads on 5 and Heritage Financial Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.