Side-by-side · Q2 2026 data
Hancock County Savings Bank, F.S.B. vs Freedom United Federal Credit Union
Credit union
Freedom United Federal Credit Union
Rochester, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Hancock County Savings Bank, F.S.B. | Freedom United Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 93 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 79 (stronger) | 72 |
| Earnings | 59 | 100 (stronger) |
| Funding & liquidity | 53 | 100 (stronger) |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 75th | 94th |
| Total assets | $508.0M | $94.2M |
| Deposits / shares | $401.2M | $76.2M |
| Capital ratio | 18.37% | 18.97% (stronger) |
| Problem loans | 0.63% (stronger) | 0.84% |
| Net charge-offs | 0.02% (stronger) | 0.13% |
| Return on assets | 0.97% | 2.31% (stronger) |
| Loans ÷ deposits | 106.9% | 32.9% (stronger) |
| Uninsured deposits | 7.9% | 0.9% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freedom United Federal Credit Union has the higher TellerScore (93 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Hancock County Savings Bank, F.S.B. leads on 2 and Freedom United 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.