Side-by-side · Q2 2026 data
Hamlin Bank and Trust Company vs Mountain Laurel Federal Credit Union
Credit union
Mountain Laurel Federal Credit Union
Saint Marys, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Hamlin Bank and Trust Company | Mountain Laurel Federal Credit Union |
|---|---|---|
| TellerScore | 89 | 99 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 68 | 97 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 94th | 100th |
| Total assets | $503.4M | $174.2M |
| Deposits / shares | $389.3M | $139.3M |
| Capital ratio | 19.96% (stronger) | 19.68% |
| Problem loans | 0.96% | 0.08% (stronger) |
| Net charge-offs | 0.14% | 0.08% (stronger) |
| Return on assets | 3.02% (stronger) | 2.21% |
| Loans ÷ deposits | 77.4% | 60.1% (stronger) |
| Uninsured deposits | 13.3% | 1.0% (stronger) |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mountain Laurel Federal Credit Union has the higher TellerScore (99 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Hamlin Bank and Trust Company leads on 2 and Mountain Laurel Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Bradford, PA
- Kane, PA
- Saint Marys, PA