Side-by-side · Q2 2026 data
First National Bank and Trust Company of Newtown vs Hmc (Nj) Federal Credit Union
Bank
First National Bank and Trust Company of Newtown
Newtown, Pennsylvania · $1 billion – $10 billion
Credit union
Hmc (Nj) Federal Credit Union
Flemington, New Jersey · Under $100 million in assets
Metric by metric
| Measure | First National Bank and Trust Company of Newtown | Hmc (Nj) Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 75 |
| Capital cushion | 79 (stronger) | 63 |
| Loan quality | 100 | 100 |
| Earnings | 74 (stronger) | 29 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 98th | 52nd |
| Total assets | $1.2B | $8.9M |
| Deposits / shares | $1.0B | $7.8M |
| Capital ratio | 12.95% (stronger) | 11.31% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | -0.04% (stronger) |
| Return on assets | 1.35% (stronger) | 0.23% |
| Loans ÷ deposits | 50.4% | 21.9% (stronger) |
| Uninsured deposits | 23.5% | 2.1% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.5% | — |
First National Bank and Trust Company of Newtown has the higher TellerScore (87 vs 75). On the 6 directional measures above (where higher or lower is clearly better), First National Bank and Trust Company of Newtown leads on 3 and Hmc (Nj) 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.