Side-by-side · Q2 2026 data
Elderton State Bank vs Armstrong Associates Federal Credit Union
Credit union
Armstrong Associates Federal Credit Union
Ford City, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Elderton State Bank | Armstrong Associates Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 75 (stronger) |
| Capital cushion | 71 | 73 (stronger) |
| Loan quality | 75 | 81 (stronger) |
| Earnings | 87 (stronger) | 41 |
| Funding & liquidity | 51 | 100 (stronger) |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 57th | 52nd |
| Total assets | $465.2M | $82.3M |
| Deposits / shares | $359.6M | $71.3M |
| Capital ratio | 12.09% | 12.32% (stronger) |
| Problem loans | 0.76% | 0.57% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.48% |
| Return on assets | 1.66% (stronger) | 0.52% |
| Loans ÷ deposits | 108.1% | 52.9% (stronger) |
| Uninsured deposits | 16.0% | 2.9% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.1% | 14.6% |
Armstrong Associates Federal Credit Union has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Elderton State Bank leads on 2 and Armstrong Associates 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.