Side-by-side · Q2 2026 data
Heritage Financial Federal Credit Union vs Northern Federal Credit Union
Credit union
Heritage Financial Federal Credit Union
Middletown, New York · $100 million – $1 billion
Credit union
Northern Federal Credit Union
Watertown, New York · $100 million – $1 billion
Metric by metric
| Measure | Heritage Financial Federal Credit Union | Northern Federal Credit Union |
|---|---|---|
| TellerScore | 50 | 54 (stronger) |
| Capital cushion | 53 | 55 (stronger) |
| Loan quality | 46 | 56 (stronger) |
| Earnings | 29 (stronger) | 26 |
| Funding & liquidity | 61 | 69 (stronger) |
| Problem-loan coverage | 74 | 78 (stronger) |
| Peer percentile | 6th | 10th |
| Total assets | $808.0M | $698.2M |
| Deposits / shares | $673.7M | $614.7M |
| Capital ratio | 10.26% | 10.48% (stronger) |
| Problem loans | 1.61% | 1.32% (stronger) |
| Net charge-offs | 0.52% | 0.33% (stronger) |
| Return on assets | 0.23% (stronger) | 0.15% |
| Loans ÷ deposits | 99.1% | 91.4% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 6.2% |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Federal Credit Union has the higher TellerScore (54 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Heritage Financial Federal Credit Union leads on 2 and Northern Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.