Side-by-side · Q2 2026 data
First Commonwealth Bank vs Mountain Laurel Federal Credit Union
Credit union
Mountain Laurel Federal Credit Union
Saint Marys, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | First Commonwealth Bank | Mountain Laurel Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 99 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 70 | 97 (stronger) |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 54th | 100th |
| Total assets | $12.2B | $174.2M |
| Deposits / shares | $10.3B | $139.3M |
| Capital ratio | 10.17% | 19.68% (stronger) |
| Problem loans | 0.89% | 0.08% (stronger) |
| Net charge-offs | 0.41% | 0.08% (stronger) |
| Return on assets | 1.40% | 2.21% (stronger) |
| Loans ÷ deposits | 90.8% | 60.1% (stronger) |
| Uninsured deposits | 27.5% | 1.0% (stronger) |
| Offices | 126 | 6 |
| CFPB complaints (3 yrs) | 106 | — |
| Complaints per $1B deposits | 10.3 | — |
| Mortgage denial rate (HMDA) | 26.5% | — |
Mountain Laurel Federal Credit Union has the higher TellerScore (99 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Commonwealth Bank leads on 0 and Mountain Laurel Federal Credit Union on 7. 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.
Where both have branches
- Saint Marys, PA