Side-by-side · Q2 2026 data
Linton Federal Credit Union vs Penn South Cooperative
Credit union
Linton Federal Credit Union
Tonawanda, New York · Under $100 million in assets
Metric by metric
| Measure | Linton Federal Credit Union | Penn South Cooperative |
|---|---|---|
| TellerScore | 86 (stronger) | 65 |
| Capital cushion | 100 | 100 |
| Loan quality | 85 (stronger) | 21 |
| Earnings | 51 | 69 (stronger) |
| Funding & liquidity | 98 (stronger) | 54 |
| Problem-loan coverage | 98 (stronger) | 76 |
| Peer percentile | 80th | 30th |
| Total assets | $8.2M | $8.1M |
| Deposits / shares | $6.4M | $6.7M |
| Capital ratio | 20.85% (stronger) | 15.08% |
| Problem loans | 0.44% (stronger) | 2.38% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.76% | 1.24% (stronger) |
| Loans ÷ deposits | 62.4% (stronger) | 105.8% |
| Uninsured deposits | 0.0% (stronger) | 2.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Linton Federal Credit Union has the higher TellerScore (86 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Linton Federal Credit Union leads on 6 and Penn South Cooperative on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.