Side-by-side · Q2 2026 data
Jeff Bank, National Association vs Heritage Financial Federal Credit Union
Credit union
Heritage Financial Federal Credit Union
Middletown, New York · $100 million – $1 billion
Metric by metric
| Measure | Jeff Bank, National Association | Heritage Financial Federal Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 50 |
| Capital cushion | 99 (stronger) | 53 |
| Loan quality | 88 (stronger) | 46 |
| Earnings | 96 (stronger) | 29 |
| Funding & liquidity | 94 (stronger) | 61 |
| Problem-loan coverage | 96 (stronger) | 74 |
| Peer percentile | 99th | 6th |
| Total assets | $686.2M | $808.0M |
| Deposits / shares | $579.2M | $673.7M |
| Capital ratio | 14.92% (stronger) | 10.26% |
| Problem loans | 0.37% (stronger) | 1.61% |
| Net charge-offs | -0.00% (stronger) | 0.52% |
| Return on assets | 1.91% (stronger) | 0.23% |
| Loans ÷ deposits | 63.9% (stronger) | 99.1% |
| Uninsured deposits | 17.2% | 4.6% (stronger) |
| Offices | 10 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 36.9% | — |
Jeff Bank, National Association has the higher TellerScore (95 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Jeff Bank, National Association leads on 6 and Heritage Financial Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.