Side-by-side · Q2 2026 data
Wheatland Federal Credit Union vs Galaxy Federal Credit Union
Credit union
Wheatland Federal Credit Union
Lancaster, Pennsylvania · Under $100 million in assets
Credit union
Galaxy Federal Credit Union
Franklin, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Wheatland Federal Credit Union | Galaxy Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 85 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 92 (stronger) | 91 |
| Earnings | 38 | 39 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 32nd | 77th |
| Total assets | $69.9M | $72.6M |
| Deposits / shares | $63.7M | $59.8M |
| Capital ratio | 8.59% | 17.27% (stronger) |
| Problem loans | 0.24% (stronger) | 0.27% |
| Net charge-offs | 0.11% (stronger) | 0.16% |
| Return on assets | 0.45% | 0.47% (stronger) |
| Loans ÷ deposits | 59.8% | 52.8% (stronger) |
| Uninsured deposits | 1.6% (stronger) | 6.1% |
| Offices | 4 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Galaxy Federal Credit Union has the higher TellerScore (85 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Wheatland Federal Credit Union leads on 3 and Galaxy Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.