Side-by-side · Q2 2026 data
Lusitania Savings Bank vs Picatinny Federal Credit Union
Metric by metric
| Measure | Lusitania Savings Bank | Picatinny Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 94 (stronger) | 77 |
| Earnings | 39 | 40 (stronger) |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 90th | 34th |
| Total assets | $418.1M | $459.1M |
| Deposits / shares | $353.5M | $401.8M |
| Capital ratio | 14.97% (stronger) | 9.42% |
| Problem loans | 0.19% (stronger) | 0.70% |
| Net charge-offs | 0.00% (stronger) | 0.20% |
| Return on assets | 0.48% | 0.50% (stronger) |
| Loans ÷ deposits | 63.9% | 60.0% (stronger) |
| Uninsured deposits | 7.3% (stronger) | 10.3% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | 23.8% |
Lusitania Savings Bank has the higher TellerScore (86 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Lusitania Savings Bank leads on 5 and Picatinny Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.