Side-by-side · Q2 2026 data
Upper Darby Belltelco Federal Credit Union vs American Heritage Federal Credit Union
Credit union
Upper Darby Belltelco Federal Credit Union
Upper Darby, Pennsylvania · Under $100 million in assets
Credit union
American Heritage Federal Credit Union
Philadelphia, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | Upper Darby Belltelco Federal Credit Union | American Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 35 |
| Loan quality | 77 (stronger) | 59 |
| Earnings | 100 (stronger) | 41 |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 98 (stronger) | 66 |
| Peer percentile | 95th | 7th |
| Total assets | $71.6M | $5.4B |
| Deposits / shares | $53.5M | $4.4B |
| Capital ratio | 25.31% (stronger) | 8.54% |
| Problem loans | 0.69% (stronger) | 1.23% |
| Net charge-offs | 0.08% (stronger) | 0.84% |
| Return on assets | 2.00% (stronger) | 0.53% |
| Loans ÷ deposits | 41.9% (stronger) | 84.8% |
| Uninsured deposits | 10.1% (stronger) | 15.6% |
| Offices | 1 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Upper Darby Belltelco Federal Credit Union has the higher TellerScore (94 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Upper Darby Belltelco Federal Credit Union leads on 7 and American Heritage Federal Credit Union on 0. 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.