Side-by-side · Q2 2026 data
Parks Heritage Federal Credit Union vs Freedom Credit Union
Credit union
Parks Heritage Federal Credit Union
Glens Falls, New York · Under $100 million in assets
Metric by metric
| Measure | Parks Heritage Federal Credit Union | Freedom Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 67 |
| Loan quality | 91 | 92 (stronger) |
| Earnings | 66 (stronger) | 60 |
| Funding & liquidity | 94 (stronger) | 80 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 89th | 57th |
| Total assets | $42.3M | $70.0M |
| Deposits / shares | $35.3M | $61.2M |
| Capital ratio | 16.62% (stronger) | 11.69% |
| Problem loans | 0.28% | 0.24% (stronger) |
| Net charge-offs | 0.26% | 0.15% (stronger) |
| Return on assets | 1.15% (stronger) | 1.01% |
| Loans ÷ deposits | 65.8% (stronger) | 80.6% |
| Uninsured deposits | 3.1% (stronger) | 4.7% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Parks Heritage Federal Credit Union has the higher TellerScore (90 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Parks Heritage Federal Credit Union leads on 5 and Freedom Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.