Side-by-side · Q2 2026 data
York Educational Federal Credit Union vs New Directions Community Credit Union
Credit union
York Educational Federal Credit Union
York, Pennsylvania · Under $100 million in assets
Credit union
New Directions Community Credit Union
Franklin, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | York Educational Federal Credit Union | New Directions Community Credit Union |
|---|---|---|
| TellerScore | 74 | 75 (stronger) |
| Capital cushion | 57 | 95 (stronger) |
| Loan quality | 95 (stronger) | 75 |
| Earnings | 42 (stronger) | 25 |
| Funding & liquidity | 100 (stronger) | 87 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 49th | 52nd |
| Total assets | $43.5M | $40.7M |
| Deposits / shares | $38.7M | $34.7M |
| Capital ratio | 10.65% | 14.54% (stronger) |
| Problem loans | 0.16% (stronger) | 0.76% |
| Net charge-offs | 0.70% | 0.61% (stronger) |
| Return on assets | 0.56% (stronger) | 0.12% |
| Loans ÷ deposits | 53.9% (stronger) | 73.7% |
| Uninsured deposits | 2.3% | 0.2% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
New Directions Community Credit Union has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), York Educational Federal Credit Union leads on 3 and New Directions Community Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.