Side-by-side · Q2 2026 data
Orem City Employees Federal Credit Union vs Parks Heritage Federal Credit Union
Credit union
Parks Heritage Federal Credit Union
Glens Falls, New York · Under $100 million in assets
Metric by metric
| Measure | Orem City Employees Federal Credit Union | Parks Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 90 (stronger) |
| Capital cushion | 93 | 100 (stronger) |
| Loan quality | 96 (stronger) | 91 |
| Earnings | 30 | 66 (stronger) |
| Funding & liquidity | 92 | 94 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 70th | 89th |
| Total assets | $2.7M | $42.3M |
| Deposits / shares | $2.3M | $35.3M |
| Capital ratio | 14.33% | 16.62% (stronger) |
| Problem loans | 0.13% (stronger) | 0.28% |
| Net charge-offs | 0.00% (stronger) | 0.26% |
| Return on assets | 0.24% | 1.15% (stronger) |
| Loans ÷ deposits | 67.8% | 65.8% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.1% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Parks Heritage Federal Credit Union has the higher TellerScore (90 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Orem City Employees Federal Credit Union leads on 3 and Parks Heritage Federal Credit Union on 4. 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.