Side-by-side · Q2 2026 data
Community State Bank of Orbisonia vs Kennaford Federal Credit Union
Credit union
Kennaford Federal Credit Union
Bedford, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Community State Bank of Orbisonia | Kennaford Federal Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 60 |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 84 (stronger) | 25 |
| Earnings | 45 (stronger) | 3 |
| Funding & liquidity | 78 | 93 (stronger) |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 31st | 22nd |
| Total assets | $473.5M | $3.8M |
| Deposits / shares | $424.3M | $2.5M |
| Capital ratio | 9.99% | 32.79% (stronger) |
| Problem loans | 0.49% (stronger) | 2.25% |
| Net charge-offs | 0.08% (stronger) | 0.24% |
| Return on assets | 0.64% (stronger) | -0.42% |
| Loans ÷ deposits | 82.7% | 67.2% (stronger) |
| Uninsured deposits | 7.9% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | — |
Community State Bank of Orbisonia has the higher TellerScore (66 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank of Orbisonia leads on 4 and Kennaford 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.