Side-by-side · Q2 2026 data
Mauch Chunk Trust Company 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 | Mauch Chunk Trust Company | Northampton Area School Dist. Emps Federal Credit Union |
|---|---|---|
| TellerScore | 46 | 95 (stronger) |
| Capital cushion | 29 | 100 (stronger) |
| Loan quality | 58 | 97 (stronger) |
| Earnings | 29 | 79 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 35 | 100 (stronger) |
| Peer percentile | 5th | 96th |
| Total assets | $642.8M | $11.7M |
| Deposits / shares | $607.5M | $9.2M |
| Capital ratio | 7.94% | 20.91% (stronger) |
| Problem loans | 1.27% | 0.09% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.22% | 1.47% (stronger) |
| Loans ÷ deposits | 48.2% (stronger) | 51.8% |
| Uninsured deposits | 24.0% | 0.3% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northampton Area School Dist. Emps Federal Credit Union has the higher TellerScore (95 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Mauch Chunk Trust Company 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.