Side-by-side · Q2 2026 data
N C P D Federal Credit Union vs Heritage Financial Federal Credit Union
Credit union
Heritage Financial Federal Credit Union
Middletown, New York · $100 million – $1 billion
Metric by metric
| Measure | N C P D Federal Credit Union | Heritage Financial Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 90 (stronger) | 46 |
| Earnings | 50 (stronger) | 29 |
| Funding & liquidity | 100 (stronger) | 61 |
| Problem-loan coverage | 99 (stronger) | 74 |
| Peer percentile | 91st | 6th |
| Total assets | $908.8M | $808.0M |
| Deposits / shares | $747.9M | $673.7M |
| Capital ratio | 16.58% (stronger) | 10.26% |
| Problem loans | 0.29% (stronger) | 1.61% |
| Net charge-offs | 0.09% (stronger) | 0.52% |
| Return on assets | 0.74% (stronger) | 0.23% |
| Loans ÷ deposits | 44.3% (stronger) | 99.1% |
| Uninsured deposits | 15.1% | 4.6% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | — |
N C P D Federal Credit Union has the higher TellerScore (87 vs 50). On the 7 directional measures above (where higher or lower is clearly better), N C P D Federal Credit Union 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.