Side-by-side · Q2 2026 data
N C P D Federal Credit Union vs First Heritage Federal Credit Union
Metric by metric
| Measure | N C P D Federal Credit Union | First Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 90 (stronger) | 85 |
| Earnings | 50 | 58 (stronger) |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 91st | 57th |
| Total assets | $908.8M | $839.7M |
| Deposits / shares | $747.9M | $748.4M |
| Capital ratio | 16.58% (stronger) | 11.06% |
| Problem loans | 0.29% (stronger) | 0.44% |
| Net charge-offs | 0.09% (stronger) | 0.28% |
| Return on assets | 0.74% | 0.96% (stronger) |
| Loans ÷ deposits | 44.3% (stronger) | 82.1% |
| Uninsured deposits | 15.1% | 9.5% (stronger) |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | 24.0% |
N C P D Federal Credit Union has the higher TellerScore (87 vs 72). On the 7 directional measures above (where higher or lower is clearly better), N C P D Federal Credit Union leads on 5 and First Heritage Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.