Side-by-side · Q2 2026 data
Heritage Valley Federal Credit Union vs Members 1st Federal Credit Union
Credit union
Heritage Valley Federal Credit Union
York, Pennsylvania · $100 million – $1 billion
Credit union
Members 1st Federal Credit Union
Enola, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | Heritage Valley Federal Credit Union | Members 1st Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 88 (stronger) |
| Capital cushion | 28 | 100 (stronger) |
| Loan quality | 60 | 76 (stronger) |
| Earnings | 45 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 64 |
| Problem-loan coverage | 83 | 92 (stronger) |
| Peer percentile | 13th | 96th |
| Total assets | $131.3M | $8.7B |
| Deposits / shares | $125.0M | $7.3B |
| Capital ratio | 7.79% | 15.13% (stronger) |
| Problem loans | 1.21% | 0.73% (stronger) |
| Net charge-offs | 0.68% | 0.58% (stronger) |
| Return on assets | 0.63% | 2.38% (stronger) |
| Loans ÷ deposits | 51.9% (stronger) | 96.2% |
| Uninsured deposits | 6.1% (stronger) | 10.2% |
| Offices | 1 | 31 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members 1st Federal Credit Union has the higher TellerScore (88 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Heritage Valley Federal Credit Union leads on 2 and Members 1st Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.