Side-by-side · Q2 2026 data
Heritage Valley Federal Credit Union vs Tri Boro 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 | Tri Boro Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 76 (stronger) |
| Capital cushion | 28 | 95 (stronger) |
| Loan quality | 60 | 69 (stronger) |
| Earnings | 45 (stronger) | 44 |
| Funding & liquidity | 100 (stronger) | 82 |
| Problem-loan coverage | 83 | 91 (stronger) |
| Peer percentile | 13th | 68th |
| Total assets | $131.3M | $130.6M |
| Deposits / shares | $125.0M | $111.4M |
| Capital ratio | 7.79% | 14.50% (stronger) |
| Problem loans | 1.21% | 0.94% (stronger) |
| Net charge-offs | 0.68% | 0.31% (stronger) |
| Return on assets | 0.63% (stronger) | 0.59% |
| Loans ÷ deposits | 51.9% (stronger) | 78.0% |
| Uninsured deposits | 6.1% | 2.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
Tri Boro Federal Credit Union has the higher TellerScore (76 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Heritage Valley Federal Credit Union leads on 2 and Tri Boro Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.