Side-by-side · Q2 2026 data
First Heritage Federal Credit Union vs Reliant Community Federal Credit Union
Credit union
Reliant Community Federal Credit Union
Sodus, New York · $100 million – $1 billion
Metric by metric
| Measure | First Heritage Federal Credit Union | Reliant Community Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 69 |
| Capital cushion | 61 (stronger) | 46 |
| Loan quality | 85 | 88 (stronger) |
| Earnings | 58 (stronger) | 56 |
| Funding & liquidity | 78 | 84 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 57th | 48th |
| Total assets | $839.7M | $788.4M |
| Deposits / shares | $748.4M | $697.5M |
| Capital ratio | 11.06% (stronger) | 9.57% |
| Problem loans | 0.44% | 0.36% (stronger) |
| Net charge-offs | 0.28% | 0.23% (stronger) |
| Return on assets | 0.96% (stronger) | 0.90% |
| Loans ÷ deposits | 82.1% | 76.5% (stronger) |
| Uninsured deposits | 9.5% | 5.6% (stronger) |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.0% | 23.9% |
First Heritage Federal Credit Union has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First Heritage Federal Credit Union leads on 3 and Reliant Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.