Side-by-side · Q2 2026 data
First Northern Bank and Trust Company vs Allentown Federal Credit Union
Credit union
Allentown Federal Credit Union
Allentown, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | First Northern Bank and Trust Company | Allentown Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 86 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 61 | 75 (stronger) |
| Earnings | 77 (stronger) | 71 |
| Funding & liquidity | 74 | 92 (stronger) |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 80th | 89th |
| Total assets | $921.5M | $127.7M |
| Deposits / shares | $761.9M | $106.5M |
| Capital ratio | 15.29% | 16.49% (stronger) |
| Problem loans | 1.16% | 0.76% (stronger) |
| Net charge-offs | -0.14% (stronger) | -0.01% |
| Return on assets | 1.43% (stronger) | 1.27% |
| Loans ÷ deposits | 74.0% | 68.2% (stronger) |
| Uninsured deposits | 26.3% | 2.1% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.7% |
Allentown Federal Credit Union has the higher TellerScore (86 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First Northern Bank and Trust Company leads on 2 and Allentown 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.