Side-by-side · Q2 2026 data
NorthEast Community Bank vs Heritage Financial Federal Credit Union
Credit union
Heritage Financial Federal Credit Union
Middletown, New York · $100 million – $1 billion
Metric by metric
| Measure | NorthEast Community Bank | Heritage Financial Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 100 (stronger) | 46 |
| Earnings | 100 (stronger) | 29 |
| Funding & liquidity | 36 | 61 (stronger) |
| Problem-loan coverage | 100 (stronger) | 74 |
| Peer percentile | 99th | 6th |
| Total assets | $2.1B | $808.0M |
| Deposits / shares | $1.5B | $673.7M |
| Capital ratio | 17.32% (stronger) | 10.26% |
| Problem loans | 0.00% (stronger) | 1.61% |
| Net charge-offs | 0.06% (stronger) | 0.52% |
| Return on assets | 2.00% (stronger) | 0.23% |
| Loans ÷ deposits | 123.9% | 99.1% (stronger) |
| Uninsured deposits | 28.0% | 4.6% (stronger) |
| Offices | 12 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
NorthEast Community Bank has the higher TellerScore (90 vs 50). On the 7 directional measures above (where higher or lower is clearly better), NorthEast Community Bank leads on 5 and Heritage Financial Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.