Side-by-side · Q2 2026 data
American Bank vs Northampton Area School Dist. Emps Federal Credit Union
Credit union
Northampton Area School Dist. Emps Federal Credit Union
Northampton, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | American Bank | Northampton Area School Dist. Emps Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 95 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 71 | 79 (stronger) |
| Funding & liquidity | 41 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 66th | 96th |
| Total assets | $1.1B | $11.7M |
| Deposits / shares | $914.8M | $9.2M |
| Capital ratio | 10.60% | 20.91% (stronger) |
| Problem loans | 0.00% (stronger) | 0.09% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.28% | 1.47% (stronger) |
| Loans ÷ deposits | 97.9% | 51.8% (stronger) |
| Uninsured deposits | 33.7% | 0.3% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
Northampton Area School Dist. Emps Federal Credit Union has the higher TellerScore (95 vs 72). On the 7 directional measures above (where higher or lower is clearly better), American Bank leads on 2 and Northampton Area School Dist. Emps Federal Credit Union on 5. 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.