Side-by-side · Q2 2026 data
First Northern Bank and Trust Company vs Pocono Medical Center Federal Credit Union
Credit union
Pocono Medical Center Federal Credit Union
East Stroudsbur, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | First Northern Bank and Trust Company | Pocono Medical Center Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 61 | 91 (stronger) |
| Earnings | 77 (stronger) | 23 |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 80th | 54th |
| Total assets | $921.5M | $3.4M |
| Deposits / shares | $761.9M | $3.0M |
| Capital ratio | 15.29% (stronger) | 12.90% |
| Problem loans | 1.16% | 0.28% (stronger) |
| Net charge-offs | -0.14% (stronger) | 0.28% |
| Return on assets | 1.43% (stronger) | 0.07% |
| Loans ÷ deposits | 74.0% | 46.5% (stronger) |
| Uninsured deposits | 26.3% | 0.0% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Northern Bank and Trust Company has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First Northern Bank and Trust Company leads on 4 and Pocono Medical Center 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.