Side-by-side · Q2 2026 data
First Northern Bank and Trust Company vs Berylco Employees' Credit Union
Credit union
Berylco Employees' Credit Union
Hamburg, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | First Northern Bank and Trust Company | Berylco Employees' Credit Union |
|---|---|---|
| TellerScore | 81 | 87 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 61 | 100 (stronger) |
| Earnings | 77 (stronger) | 35 |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 80th | 83rd |
| Total assets | $921.5M | $1.7M |
| Deposits / shares | $761.9M | $648K |
| Capital ratio | 15.29% | 61.10% (stronger) |
| Problem loans | 1.16% | 0.00% (stronger) |
| Net charge-offs | -0.14% (stronger) | 0.00% |
| Return on assets | 1.43% (stronger) | 0.37% |
| Loans ÷ deposits | 74.0% | 36.5% (stronger) |
| Uninsured deposits | 26.3% | 0.0% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Berylco Employees' Credit Union has the higher TellerScore (87 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 Berylco Employees' 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.