Side-by-side · Q2 2026 data
Heritage Valley Federal Credit Union vs Choice One Community Federal Credit Union
Credit union
Heritage Valley Federal Credit Union
York, Pennsylvania · $100 million – $1 billion
Credit union
Choice One Community Federal Credit Union
Plains Township, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Heritage Valley Federal Credit Union | Choice One Community Federal Credit Union |
|---|---|---|
| TellerScore | 56 (stronger) | 45 |
| Capital cushion | 28 | 51 (stronger) |
| Loan quality | 60 (stronger) | 5 |
| Earnings | 45 (stronger) | 34 |
| Funding & liquidity | 100 (stronger) | 97 |
| Problem-loan coverage | 83 (stronger) | 67 |
| Peer percentile | 13th | 3rd |
| Total assets | $131.3M | $130.9M |
| Deposits / shares | $125.0M | $119.1M |
| Capital ratio | 7.79% | 10.10% (stronger) |
| Problem loans | 1.21% (stronger) | 2.86% |
| Net charge-offs | 0.68% | 0.38% (stronger) |
| Return on assets | 0.63% (stronger) | 0.34% |
| Loans ÷ deposits | 51.9% (stronger) | 63.4% |
| Uninsured deposits | 6.1% | 0.0% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.1% |
Heritage Valley Federal Credit Union has the higher TellerScore (56 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Heritage Valley Federal Credit Union leads on 4 and Choice One Community Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.