Side-by-side · Q2 2026 data
Jim Thorpe Neighborhood Bank vs Northampton Area School Dist. Emps Federal Credit Union
Credit union
Northampton Area School Dist. Emps Federal Credit Union
Northampton, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Jim Thorpe Neighborhood Bank | Northampton Area School Dist. Emps Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 95 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 58 | 79 (stronger) |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 64th | 96th |
| Total assets | $265.0M | $11.7M |
| Deposits / shares | $241.9M | $9.2M |
| Capital ratio | 10.08% | 20.91% (stronger) |
| Problem loans | 0.00% (stronger) | 0.09% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.96% | 1.47% (stronger) |
| Loans ÷ deposits | 51.4% (stronger) | 51.8% |
| Uninsured deposits | 20.4% | 0.3% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.1% | — |
Northampton Area School Dist. Emps Federal Credit Union has the higher TellerScore (95 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Jim Thorpe Neighborhood Bank leads on 2 and Northampton Area School Dist. Emps 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.