Side-by-side · Q2 2026 data
Parks Heritage Federal Credit Union vs Twin Rivers Federal 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 | Twin Rivers Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 81 |
| Loan quality | 91 | 93 (stronger) |
| Earnings | 66 (stronger) | 53 |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 89th | 72nd |
| Total assets | $42.3M | $39.2M |
| Deposits / shares | $35.3M | $35.2M |
| Capital ratio | 16.62% (stronger) | 13.07% |
| Problem loans | 0.28% | 0.22% (stronger) |
| Net charge-offs | 0.26% (stronger) | 1.19% |
| Return on assets | 1.15% (stronger) | 0.84% |
| Loans ÷ deposits | 65.8% | 45.8% (stronger) |
| Uninsured deposits | 3.1% (stronger) | 3.1% |
| 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 83). On the 7 directional measures above (where higher or lower is clearly better), Parks Heritage Federal Credit Union leads on 5 and Twin Rivers Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.