Side-by-side · Q2 2026 data
BNY Mellon, National Association vs Penn-Trafford School Emp. Federal Credit Union
Credit union
Penn-Trafford School Emp. Federal Credit Union
Trafford, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | BNY Mellon, National Association | Penn-Trafford School Emp. Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 99 (stronger) |
| Capital cushion | 15 | 100 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 55 | 94 (stronger) |
| Funding & liquidity | 46 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 17th | 99th |
| Total assets | $30.6B | $5.3M |
| Deposits / shares | $26.0B | $4.2M |
| Capital ratio | 6.52% | 21.24% (stronger) |
| Problem loans | 0.06% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.87% | 1.85% (stronger) |
| Loans ÷ deposits | 71.3% | 52.8% (stronger) |
| Uninsured deposits | 53.7% | 0.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.0% | — |
Penn-Trafford School Emp. Federal Credit Union has the higher TellerScore (99 vs 57). On the 6 directional measures above (where higher or lower is clearly better), BNY Mellon, National Association leads on 0 and Penn-Trafford School Emp. Federal Credit Union on 6. 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.