Side-by-side · Q2 2026 data
The First National Bank of Orwell vs Heritage Family Federal Credit Union
Metric by metric
| Measure | The First National Bank of Orwell | Heritage Family Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 71 (stronger) |
| Capital cushion | 64 | 71 (stronger) |
| Loan quality | 22 | 71 (stronger) |
| Earnings | 79 (stronger) | 60 |
| Funding & liquidity | 77 (stronger) | 74 |
| Problem-loan coverage | 67 | 89 (stronger) |
| Peer percentile | 18th | 54th |
| Total assets | $91.5M | $869.8M |
| Deposits / shares | $80.5M | $736.1M |
| Capital ratio | 11.42% | 12.08% (stronger) |
| Problem loans | 2.33% | 0.86% (stronger) |
| Net charge-offs | 0.19% (stronger) | 0.59% |
| Return on assets | 1.49% (stronger) | 1.00% |
| Loans ÷ deposits | 83.4% (stronger) | 85.9% |
| Uninsured deposits | 7.9% (stronger) | 8.2% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage Family Federal Credit Union has the higher TellerScore (71 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Orwell leads on 4 and Heritage Family Federal Credit Union on 3. 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.