Side-by-side · Q2 2026 data
Milton Savings Bank vs Usne Penitentiary Employees Federal Credit Union
Credit union
Usne Penitentiary Employees Federal Credit Union
Lewisburg, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Milton Savings Bank | Usne Penitentiary Employees Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 98 (stronger) | 87 |
| Earnings | 30 | 33 (stronger) |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 68th | 44th |
| Total assets | $90.6M | $14.9M |
| Deposits / shares | $71.0M | $13.2M |
| Capital ratio | 16.89% (stronger) | 11.42% |
| Problem loans | 0.06% (stronger) | 0.40% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.25% | 0.34% (stronger) |
| Loans ÷ deposits | 87.3% | 37.8% (stronger) |
| Uninsured deposits | 4.4% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Milton Savings Bank has the higher TellerScore (81 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Milton Savings Bank leads on 3 and Usne Penitentiary Employees Federal Credit Union on 4. 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.