Side-by-side · Q2 2026 data
Independent Bank vs Allegheny Central Federal Credit Union
Credit union
Allegheny Central Federal Credit Union
Dunbar, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Independent Bank | Allegheny Central Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 95 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 67 | 94 (stronger) |
| Earnings | 74 | 95 (stronger) |
| Funding & liquidity | 61 | 85 (stronger) |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 30th | 96th |
| Total assets | $5.7B | $8.2M |
| Deposits / shares | $4.9B | $6.4M |
| Capital ratio | 9.67% | 20.81% (stronger) |
| Problem loans | 0.99% | 0.18% (stronger) |
| Net charge-offs | 0.03% | -0.01% (stronger) |
| Return on assets | 1.34% | 1.87% (stronger) |
| Loans ÷ deposits | 88.6% | 75.6% (stronger) |
| Uninsured deposits | 24.4% | 0.1% (stronger) |
| Offices | 57 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | — |
Allegheny Central Federal Credit Union has the higher TellerScore (95 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Independent Bank leads on 0 and Allegheny Central Federal Credit Union on 7. 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.