Side-by-side · Q2 2026 data
Middletown Valley Bank vs Patriot Federal Credit Union
Metric by metric
| Measure | Middletown Valley Bank | Patriot Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 76 (stronger) |
| Capital cushion | 42 | 65 (stronger) |
| Loan quality | 96 (stronger) | 91 |
| Earnings | 38 | 63 (stronger) |
| Funding & liquidity | 62 | 78 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 30th | 79th |
| Total assets | $1.2B | $1.3B |
| Deposits / shares | $1.1B | $1.2B |
| Capital ratio | 9.18% | 11.49% (stronger) |
| Problem loans | 0.12% (stronger) | 0.26% |
| Net charge-offs | 0.02% (stronger) | 0.29% |
| Return on assets | 0.45% | 1.07% (stronger) |
| Loans ÷ deposits | 89.6% | 82.1% (stronger) |
| Uninsured deposits | 23.2% | 11.9% (stronger) |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
Patriot Federal Credit Union has the higher TellerScore (76 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Middletown Valley Bank leads on 2 and Patriot Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hagerstown, MD
- Waynesboro, PA