Side-by-side · Q2 2026 data
Horizon Federal Credit Union vs Tendto Federal Credit Union
Credit union
Horizon Federal Credit Union
Williamsport, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Horizon Federal Credit Union | Tendto Federal Credit Union |
|---|---|---|
| TellerScore | 41 | 61 (stronger) |
| Capital cushion | 40 (stronger) | 33 |
| Loan quality | 23 | 83 (stronger) |
| Earnings | 11 | 31 (stronger) |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 69 | 93 (stronger) |
| Peer percentile | 2nd | 24th |
| Total assets | $152.4M | $141.3M |
| Deposits / shares | $137.6M | $127.9M |
| Capital ratio | 9.01% (stronger) | 8.31% |
| Problem loans | 2.32% | 0.51% (stronger) |
| Net charge-offs | 0.70% | 0.49% (stronger) |
| Return on assets | -0.22% | 0.28% (stronger) |
| Loans ÷ deposits | 67.1% | 58.8% (stronger) |
| Uninsured deposits | 1.2% (stronger) | 2.5% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.1% | — |
Tendto Federal Credit Union has the higher TellerScore (61 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Horizon Federal Credit Union leads on 2 and Tendto Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.