Side-by-side · Q2 2026 data
First United National Bank vs New Directions Community Credit Union
Credit union
New Directions Community Credit Union
Franklin, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | First United National Bank | New Directions Community Credit Union |
|---|---|---|
| TellerScore | 59 | 75 (stronger) |
| Capital cushion | 32 | 95 (stronger) |
| Loan quality | 70 | 75 (stronger) |
| Earnings | 46 (stronger) | 25 |
| Funding & liquidity | 98 (stronger) | 87 |
| Problem-loan coverage | 84 | 93 (stronger) |
| Peer percentile | 17th | 52nd |
| Total assets | $385.8M | $40.7M |
| Deposits / shares | $362.6M | $34.7M |
| Capital ratio | 8.16% | 14.54% (stronger) |
| Problem loans | 0.91% | 0.76% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.61% |
| Return on assets | 0.65% (stronger) | 0.12% |
| Loans ÷ deposits | 56.4% (stronger) | 73.7% |
| Uninsured deposits | 16.9% | 0.2% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
New Directions Community Credit Union has the higher TellerScore (75 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First United National Bank leads on 3 and New Directions Community Credit Union on 4. 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.
Where both have branches
- Franklin, PA
- Oil City, PA