Side-by-side · Q2 2026 data
Heritage Valley Federal Credit Union vs Penn-Trafford School Emp. Federal Credit Union
Credit union
Heritage Valley Federal Credit Union
York, Pennsylvania · $100 million – $1 billion
Credit union
Penn-Trafford School Emp. Federal Credit Union
Trafford, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Heritage Valley Federal Credit Union | Penn-Trafford School Emp. Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 99 (stronger) |
| Capital cushion | 28 | 100 (stronger) |
| Loan quality | 60 | 100 (stronger) |
| Earnings | 45 | 94 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 13th | 99th |
| Total assets | $131.3M | $5.3M |
| Deposits / shares | $125.0M | $4.2M |
| Capital ratio | 7.79% | 21.24% (stronger) |
| Problem loans | 1.21% | 0.00% (stronger) |
| Net charge-offs | 0.68% | 0.00% (stronger) |
| Return on assets | 0.63% | 1.85% (stronger) |
| Loans ÷ deposits | 51.9% (stronger) | 52.8% |
| Uninsured deposits | 6.1% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Penn-Trafford School Emp. Federal Credit Union has the higher TellerScore (99 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Heritage Valley Federal Credit Union leads on 1 and Penn-Trafford School Emp. Federal Credit Union on 6. 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.