Side-by-side · Q2 2026 data
First National Bank of Pennsylvania vs Texas Gulf Carolina Emp Credit Union
Bank
First National Bank of Pennsylvania
Greenville, Pennsylvania · $10 billion – $100 billion
Credit union
Texas Gulf Carolina Emp Credit Union
Aurora, North Carolina · Under $100 million in assets
Metric by metric
| Measure | First National Bank of Pennsylvania | Texas Gulf Carolina Emp Credit Union |
|---|---|---|
| TellerScore | 64 (stronger) | 45 |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 87 (stronger) | 0 |
| Earnings | 68 (stronger) | 0 |
| Funding & liquidity | 41 | 54 (stronger) |
| Problem-loan coverage | 96 (stronger) | 72 |
| Peer percentile | 46th | 5th |
| Total assets | $50.8B | $1.1M |
| Deposits / shares | $39.1B | $725K |
| Capital ratio | 9.43% | 36.27% (stronger) |
| Problem loans | 0.38% (stronger) | 9.84% |
| Net charge-offs | 0.19% | 0.00% (stronger) |
| Return on assets | 1.19% (stronger) | -5.49% |
| Loans ÷ deposits | 91.0% (stronger) | 106.1% |
| Uninsured deposits | 40.2% | 0.0% (stronger) |
| Offices | 349 | 4 |
| CFPB complaints (3 yrs) | 320 | — |
| Complaints per $1B deposits | 8.2 | — |
| Mortgage denial rate (HMDA) | 26.6% | — |
First National Bank of Pennsylvania has the higher TellerScore (64 vs 45). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Pennsylvania leads on 4 and Texas Gulf Carolina Emp 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.