Side-by-side · Q2 2026 data
Trailnorth Federal Credit Union vs Heritage Family Federal Credit Union
Credit union
Trailnorth Federal Credit Union
Ticonderoga, New York · $100 million – $1 billion
Metric by metric
| Measure | Trailnorth Federal Credit Union | Heritage Family Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 71 (stronger) |
| Capital cushion | 48 | 71 (stronger) |
| Loan quality | 72 (stronger) | 71 |
| Earnings | 49 | 60 (stronger) |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 91 (stronger) | 89 |
| Peer percentile | 37th | 54th |
| Total assets | $179.6M | $869.8M |
| Deposits / shares | $164.8M | $736.1M |
| Capital ratio | 9.78% | 12.08% (stronger) |
| Problem loans | 0.84% (stronger) | 0.86% |
| Net charge-offs | 1.01% | 0.59% (stronger) |
| Return on assets | 0.73% | 1.00% (stronger) |
| Loans ÷ deposits | 55.5% (stronger) | 85.9% |
| Uninsured deposits | 1.6% (stronger) | 8.2% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage Family Federal Credit Union has the higher TellerScore (71 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Trailnorth Federal Credit Union leads on 3 and Heritage Family Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.