Side-by-side · Q2 2026 data
Horizon Federal Credit Union vs Williamsport Teachers Credit Union
Credit union
Horizon Federal Credit Union
Williamsport, Pennsylvania · $100 million – $1 billion
Credit union
Williamsport Teachers Credit Union
South Williamsp, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Horizon Federal Credit Union | Williamsport Teachers Credit Union |
|---|---|---|
| TellerScore | 41 | 85 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 23 | 81 (stronger) |
| Earnings | 11 | 48 (stronger) |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 69 | 98 (stronger) |
| Peer percentile | 2nd | 77th |
| Total assets | $152.4M | $15.6M |
| Deposits / shares | $137.6M | $12.5M |
| Capital ratio | 9.01% | 19.52% (stronger) |
| Problem loans | 2.32% | 0.56% (stronger) |
| Net charge-offs | 0.70% | 0.00% (stronger) |
| Return on assets | -0.22% | 0.71% (stronger) |
| Loans ÷ deposits | 67.1% | 52.9% (stronger) |
| Uninsured deposits | 1.2% (stronger) | 9.7% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.1% | — |
Williamsport Teachers Credit Union has the higher TellerScore (85 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Horizon Federal Credit Union leads on 1 and Williamsport Teachers 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.