Side-by-side · Q2 2026 data
Westchester Schools' Federal Credit Union vs Parks Heritage Federal Credit Union
Credit union
Westchester Schools' Federal Credit Union
Rye Brook, New York · Under $100 million in assets
Credit union
Parks Heritage Federal Credit Union
Glens Falls, New York · Under $100 million in assets
Metric by metric
| Measure | Westchester Schools' Federal Credit Union | Parks Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 90 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 99 (stronger) | 91 |
| Earnings | 45 | 66 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 57th | 89th |
| Total assets | $40.6M | $42.3M |
| Deposits / shares | $35.5M | $35.3M |
| Capital ratio | 11.17% | 16.62% (stronger) |
| Problem loans | 0.02% (stronger) | 0.28% |
| Net charge-offs | 0.07% (stronger) | 0.26% |
| Return on assets | 0.62% | 1.15% (stronger) |
| Loans ÷ deposits | 39.5% (stronger) | 65.8% |
| Uninsured deposits | 7.8% | 3.1% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Parks Heritage Federal Credit Union has the higher TellerScore (90 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Westchester Schools' Federal Credit Union leads on 3 and Parks Heritage Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.