Side-by-side · Q2 2026 data
First Keystone Community Bank vs Saint Nicholas Federal Credit Union
Credit union
Saint Nicholas Federal Credit Union
Wilkes Barre, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | First Keystone Community Bank | Saint Nicholas Federal Credit Union |
|---|---|---|
| TellerScore | 50 | 81 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 30 | 72 (stronger) |
| Earnings | 53 | 55 (stronger) |
| Funding & liquidity | 68 | 87 (stronger) |
| Problem-loan coverage | 72 | 93 (stronger) |
| Peer percentile | 7th | 68th |
| Total assets | $1.6B | $3.6M |
| Deposits / shares | $1.2B | $3.1M |
| Capital ratio | 9.69% | 14.99% (stronger) |
| Problem loans | 2.11% | 0.85% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.69% |
| Return on assets | 0.81% | 0.87% (stronger) |
| Loans ÷ deposits | 79.4% | 73.7% (stronger) |
| Uninsured deposits | 26.6% | 0.0% (stronger) |
| Offices | 19 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | — |
Saint Nicholas Federal Credit Union has the higher TellerScore (81 vs 50). On the 7 directional measures above (where higher or lower is clearly better), First Keystone Community Bank leads on 1 and Saint Nicholas Federal Credit Union on 6. 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.