Side-by-side · Q2 2026 data
Hamlin Bank and Trust Company vs Bradford Area School Employees Federal Credit Union
Credit union
Bradford Area School Employees Federal Credit Union
Bradford, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Hamlin Bank and Trust Company | Bradford Area School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 89 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 68 | 96 (stronger) |
| Earnings | 100 (stronger) | 92 |
| Funding & liquidity | 83 (stronger) | 50 |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 94th | 89th |
| Total assets | $503.4M | $1.1M |
| Deposits / shares | $389.3M | $842K |
| Capital ratio | 19.96% | 22.87% (stronger) |
| Problem loans | 0.96% | 0.12% (stronger) |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | 3.02% (stronger) | 1.80% |
| Loans ÷ deposits | 77.4% (stronger) | 115.8% |
| Uninsured deposits | 13.3% | 0.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bradford Area School Employees Federal Credit Union has the higher TellerScore (90 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Hamlin Bank and Trust Company leads on 2 and Bradford Area School Employees 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.