Side-by-side · Q2 2026 data
Heritage Valley Federal Credit Union vs 1st Ed Credit Union
Credit union
Heritage Valley Federal Credit Union
York, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Heritage Valley Federal Credit Union | 1st Ed Credit Union |
|---|---|---|
| TellerScore | 56 | 83 (stronger) |
| Capital cushion | 28 | 100 (stronger) |
| Loan quality | 60 | 83 (stronger) |
| Earnings | 45 (stronger) | 37 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 13th | 83rd |
| Total assets | $131.3M | $138.2M |
| Deposits / shares | $125.0M | $117.3M |
| Capital ratio | 7.79% | 15.87% (stronger) |
| Problem loans | 1.21% | 0.50% (stronger) |
| Net charge-offs | 0.68% | 0.01% (stronger) |
| Return on assets | 0.63% (stronger) | 0.42% |
| Loans ÷ deposits | 51.9% | 36.9% (stronger) |
| Uninsured deposits | 6.1% | 2.8% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.5% |
1st Ed Credit Union has the higher TellerScore (83 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Heritage Valley Federal Credit Union leads on 1 and 1st Ed Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.