Side-by-side · Q2 2026 data
Earning Tree Federal Credit Union vs 3hill Credit Union
Credit union
Earning Tree Federal Credit Union
Wilkes Barre, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Earning Tree Federal Credit Union | 3hill Credit Union |
|---|---|---|
| TellerScore | 46 | 61 (stronger) |
| Capital cushion | 52 | 70 (stronger) |
| Loan quality | 0 | 29 (stronger) |
| Earnings | 31 | 46 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 90 (stronger) | 82 |
| Peer percentile | 6th | 23rd |
| Total assets | $49.4M | $50.0M |
| Deposits / shares | $44.7M | $46.3M |
| Capital ratio | 10.19% | 12.03% (stronger) |
| Problem loans | 3.89% | 2.12% (stronger) |
| Net charge-offs | 0.37% (stronger) | 0.94% |
| Return on assets | 0.28% | 0.65% (stronger) |
| Loans ÷ deposits | 15.1% (stronger) | 56.7% |
| Uninsured deposits | 7.1% | 3.5% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
3hill Credit Union has the higher TellerScore (61 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Earning Tree Federal Credit Union leads on 2 and 3hill Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.