Side-by-side · Q2 2026 data
Heritage Valley Federal Credit Union vs Pheple Federal Credit Union
Credit union
Heritage Valley Federal Credit Union
York, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Heritage Valley Federal Credit Union | Pheple Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 63 (stronger) |
| Capital cushion | 28 | 46 (stronger) |
| Loan quality | 60 | 81 (stronger) |
| Earnings | 45 | 50 (stronger) |
| Funding & liquidity | 100 (stronger) | 67 |
| Problem-loan coverage | 83 | 90 (stronger) |
| Peer percentile | 13th | 29th |
| Total assets | $131.3M | $134.0M |
| Deposits / shares | $125.0M | $121.1M |
| Capital ratio | 7.79% | 9.55% (stronger) |
| Problem loans | 1.21% | 0.57% (stronger) |
| Net charge-offs | 0.68% | 0.33% (stronger) |
| Return on assets | 0.63% | 0.76% (stronger) |
| Loans ÷ deposits | 51.9% (stronger) | 93.4% |
| Uninsured deposits | 6.1% | 1.2% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.9% |
Pheple Federal Credit Union has the higher TellerScore (63 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Heritage Valley Federal Credit Union leads on 1 and Pheple Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.