Side-by-side · Q2 2026 data
Hershey Federal Credit Union vs First Capital Federal Credit Union
Credit union
Hershey Federal Credit Union
Hummelstown, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Hershey Federal Credit Union | First Capital Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 81 (stronger) |
| Capital cushion | 45 | 70 (stronger) |
| Loan quality | 81 | 93 (stronger) |
| Earnings | 46 | 63 (stronger) |
| Funding & liquidity | 67 | 94 (stronger) |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 24th | 80th |
| Total assets | $125.8M | $368.5M |
| Deposits / shares | $113.4M | $322.4M |
| Capital ratio | 9.53% | 11.95% (stronger) |
| Problem loans | 0.58% | 0.20% (stronger) |
| Net charge-offs | 0.14% | 0.12% (stronger) |
| Return on assets | 0.64% | 1.07% (stronger) |
| Loans ÷ deposits | 93.0% | 66.6% (stronger) |
| Uninsured deposits | 1.8% (stronger) | 3.7% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | 18.7% |
First Capital Federal Credit Union has the higher TellerScore (81 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Hershey Federal Credit Union leads on 1 and First Capital Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.