Side-by-side · Q2 2026 data
Florence Bank vs Polish National Credit Union
Metric by metric
| Measure | Florence Bank | Polish National Credit Union |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 72 | 86 (stronger) |
| Loan quality | 85 | 94 (stronger) |
| Earnings | 49 (stronger) | 41 |
| Funding & liquidity | 79 (stronger) | 56 |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 74th | 68th |
| Total assets | $2.0B | $776.9M |
| Deposits / shares | $1.8B | $614.5M |
| Capital ratio | 12.23% | 13.58% (stronger) |
| Problem loans | 0.46% | 0.17% (stronger) |
| Net charge-offs | 0.01% | -0.04% (stronger) |
| Return on assets | 0.72% (stronger) | 0.52% |
| Loans ÷ deposits | 71.0% (stronger) | 104.4% |
| Uninsured deposits | 24.6% | 8.3% (stronger) |
| Offices | 13 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 10.0% |
Polish National Credit Union has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Florence Bank leads on 2 and Polish National Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Chicopee, MA
- Granby, MA