Side-by-side · Q2 2026 data
Members 1st Federal Credit Union vs Penn-Trafford School Emp. Federal Credit Union
Credit union
Members 1st Federal Credit Union
Enola, Pennsylvania · $1 billion – $10 billion
Credit union
Penn-Trafford School Emp. Federal Credit Union
Trafford, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Members 1st Federal Credit Union | Penn-Trafford School Emp. Federal Credit Union |
|---|---|---|
| TellerScore | 88 | 99 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 76 | 100 (stronger) |
| Earnings | 100 (stronger) | 94 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 96th | 99th |
| Total assets | $8.7B | $5.3M |
| Deposits / shares | $7.3B | $4.2M |
| Capital ratio | 15.13% | 21.24% (stronger) |
| Problem loans | 0.73% | 0.00% (stronger) |
| Net charge-offs | 0.58% | 0.00% (stronger) |
| Return on assets | 2.38% (stronger) | 1.85% |
| Loans ÷ deposits | 96.2% | 52.8% (stronger) |
| Uninsured deposits | 10.2% | 0.0% (stronger) |
| Offices | 31 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Penn-Trafford School Emp. Federal Credit Union has the higher TellerScore (99 vs 88). On the 7 directional measures above (where higher or lower is clearly better), Members 1st Federal Credit Union leads on 1 and Penn-Trafford School Emp. Federal Credit Union on 6. 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.
Where both have branches
- Middletown, PA