Side-by-side · Q2 2026 data
Affinity One Federal Credit Union vs Mountain Laurel Federal Credit Union
Credit union
Affinity One Federal Credit Union
Jamestown, New York · Under $100 million in assets
Credit union
Mountain Laurel Federal Credit Union
Saint Marys, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Affinity One Federal Credit Union | Mountain Laurel Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 99 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 96 | 97 (stronger) |
| Earnings | 30 | 100 (stronger) |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 44th | 100th |
| Total assets | $45.7M | $174.2M |
| Deposits / shares | $41.4M | $139.3M |
| Capital ratio | 10.81% | 19.68% (stronger) |
| Problem loans | 0.12% | 0.08% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.08% |
| Return on assets | 0.25% | 2.21% (stronger) |
| Loans ÷ deposits | 62.2% | 60.1% (stronger) |
| Uninsured deposits | 0.6% (stronger) | 1.0% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mountain Laurel Federal Credit Union has the higher TellerScore (99 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Affinity One Federal Credit Union leads on 2 and Mountain Laurel Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.