Side-by-side · Q2 2026 data
First Heritage Federal Credit Union vs Northern Federal Credit Union
Credit union
Northern Federal Credit Union
Watertown, New York · $100 million – $1 billion
Metric by metric
| Measure | First Heritage Federal Credit Union | Northern Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 54 |
| Capital cushion | 61 (stronger) | 55 |
| Loan quality | 85 (stronger) | 56 |
| Earnings | 58 (stronger) | 26 |
| Funding & liquidity | 78 (stronger) | 69 |
| Problem-loan coverage | 94 (stronger) | 78 |
| Peer percentile | 57th | 10th |
| Total assets | $839.7M | $698.2M |
| Deposits / shares | $748.4M | $614.7M |
| Capital ratio | 11.06% (stronger) | 10.48% |
| Problem loans | 0.44% (stronger) | 1.32% |
| Net charge-offs | 0.28% (stronger) | 0.33% |
| Return on assets | 0.96% (stronger) | 0.15% |
| Loans ÷ deposits | 82.1% (stronger) | 91.4% |
| Uninsured deposits | 9.5% | 6.2% (stronger) |
| Offices | 9 | 6 |
| 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 54). On the 7 directional measures above (where higher or lower is clearly better), First Heritage Federal Credit Union leads on 6 and Northern Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.