Side-by-side · Q2 2026 data
Steuben Citizens Federal Credit Union vs First Heritage Federal Credit Union
Credit union
Steuben Citizens Federal Credit Union
Bath, New York · Under $100 million in assets
Metric by metric
| Measure | Steuben Citizens Federal Credit Union | First Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 72 |
| Capital cushion | 72 (stronger) | 61 |
| Loan quality | 97 (stronger) | 85 |
| Earnings | 26 | 58 (stronger) |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 54th | 57th |
| Total assets | $35.8M | $839.7M |
| Deposits / shares | $30.6M | $748.4M |
| Capital ratio | 12.19% (stronger) | 11.06% |
| Problem loans | 0.09% (stronger) | 0.44% |
| Net charge-offs | 2.32% | 0.28% (stronger) |
| Return on assets | 0.15% | 0.96% (stronger) |
| Loans ÷ deposits | 30.9% (stronger) | 82.1% |
| Uninsured deposits | 1.4% (stronger) | 9.5% |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 24.0% |
Steuben Citizens Federal Credit Union has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Steuben Citizens Federal Credit Union leads on 5 and First Heritage Federal Credit Union on 2. 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.