Side-by-side · Q2 2026 data
Heritage Valley Federal Credit Union vs C-B-W Schools Federal Credit Union
Credit union
Heritage Valley Federal Credit Union
York, Pennsylvania · $100 million – $1 billion
Credit union
C-B-W Schools Federal Credit Union
Sidman, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Heritage Valley Federal Credit Union | C-B-W Schools Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 91 (stronger) |
| Capital cushion | 28 | 100 (stronger) |
| Loan quality | 60 | 89 (stronger) |
| Earnings | 45 | 69 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 13th | 96th |
| Total assets | $131.3M | $131.8M |
| Deposits / shares | $125.0M | $96.1M |
| Capital ratio | 7.79% | 29.78% (stronger) |
| Problem loans | 1.21% | 0.33% (stronger) |
| Net charge-offs | 0.68% | 0.00% (stronger) |
| Return on assets | 0.63% | 1.23% (stronger) |
| Loans ÷ deposits | 51.9% | 28.6% (stronger) |
| Uninsured deposits | 6.1% (stronger) | 8.4% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
C-B-W Schools Federal Credit Union has the higher TellerScore (91 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Heritage Valley Federal Credit Union leads on 1 and C-B-W Schools Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.