Side-by-side · Q2 2026 data
Quill Bank 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 | Quill Bank | Parks Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 90 (stronger) |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 15 | 91 (stronger) |
| Earnings | 100 (stronger) | 66 |
| Funding & liquidity | 54 | 94 (stronger) |
| Problem-loan coverage | 76 | 97 (stronger) |
| Peer percentile | 49th | 89th |
| Total assets | $1.6B | $42.3M |
| Deposits / shares | $1.3B | $35.3M |
| Capital ratio | 14.42% | 16.62% (stronger) |
| Problem loans | 2.54% | 0.28% (stronger) |
| Net charge-offs | 6.31% | 0.26% (stronger) |
| Return on assets | 5.29% (stronger) | 1.15% |
| Loans ÷ deposits | 92.9% | 65.8% (stronger) |
| Uninsured deposits | 27.2% | 3.1% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Parks Heritage Federal Credit Union has the higher TellerScore (90 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Quill Bank leads on 1 and Parks Heritage Federal Credit Union on 6. 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.