Side-by-side · Q2 2026 data
The Heart Center Federal Credit Union vs Neighborhood Trust Federal Credit Union
Credit union
The Heart Center Federal Credit Union
Roslyn, New York · Under $100 million in assets
Credit union
Neighborhood Trust Federal Credit Union
New York, New York · Under $100 million in assets
Metric by metric
| Measure | The Heart Center Federal Credit Union | Neighborhood Trust Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 65 |
| Capital cushion | 100 | 100 |
| Loan quality | 31 | 56 (stronger) |
| Earnings | 55 (stronger) | 22 |
| Funding & liquidity | 98 (stronger) | 50 |
| Problem-loan coverage | 86 | 93 (stronger) |
| Peer percentile | 44th | 30th |
| Total assets | $20.4M | $20.3M |
| Deposits / shares | $17.2M | $13.1M |
| Capital ratio | 15.69% | 27.93% (stronger) |
| Problem loans | 2.06% | 1.32% (stronger) |
| Net charge-offs | 0.17% | 0.15% (stronger) |
| Return on assets | 0.86% (stronger) | 0.06% |
| Loans ÷ deposits | 61.9% (stronger) | 115.8% |
| Uninsured deposits | 0.6% (stronger) | 3.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Heart Center Federal Credit Union has the higher TellerScore (72 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Heart Center Federal Credit Union leads on 4 and Neighborhood Trust Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.