Side-by-side · Q2 2026 data
Inner Lakes Federal Credit Union vs North East Welch Federal Credit Union
Credit union
North East Welch Federal Credit Union
North East, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Inner Lakes Federal Credit Union | North East Welch Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 82 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 81 (stronger) | 54 |
| Earnings | 56 | 77 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 51st | 70th |
| Total assets | $165.9M | $26.0M |
| Deposits / shares | $155.5M | $21.4M |
| Capital ratio | 9.84% | 16.84% (stronger) |
| Problem loans | 0.57% (stronger) | 1.37% |
| Net charge-offs | 0.56% | 0.28% (stronger) |
| Return on assets | 0.89% | 1.44% (stronger) |
| Loans ÷ deposits | 33.9% (stronger) | 66.0% |
| Uninsured deposits | 2.0% | 0.8% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North East Welch Federal Credit Union has the higher TellerScore (82 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Inner Lakes Federal Credit Union leads on 2 and North East Welch 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.