Side-by-side · Q2 2026 data
CNB Bank vs Penntech Employees Federal Credit Union
Credit union
Penntech Employees Federal Credit Union
Johnsonburg, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | CNB Bank | Penntech Employees Federal Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 46 |
| Capital cushion | 52 | 53 (stronger) |
| Loan quality | 72 (stronger) | 3 |
| Earnings | 74 (stronger) | 31 |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 88 (stronger) | 80 |
| Peer percentile | 36th | 6th |
| Total assets | $8.4B | $13.9M |
| Deposits / shares | $7.2B | $12.4M |
| Capital ratio | 10.17% | 10.30% (stronger) |
| Problem loans | 0.84% (stronger) | 2.90% |
| Net charge-offs | 0.05% (stronger) | 0.52% |
| Return on assets | 1.36% (stronger) | 0.28% |
| Loans ÷ deposits | 89.7% | 39.6% (stronger) |
| Uninsured deposits | 28.8% | 0.0% (stronger) |
| Offices | 78 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.4% | — |
CNB Bank has the higher TellerScore (65 vs 46). On the 7 directional measures above (where higher or lower is clearly better), CNB Bank leads on 4 and Penntech Employees Federal Credit Union on 3. 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.