Side-by-side · Q2 2026 data
Northampton Area School Dist. Emps Federal Credit Union vs Aac Credit Union
Credit union
Northampton Area School Dist. Emps Federal Credit Union
Northampton, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Northampton Area School Dist. Emps Federal Credit Union | Aac Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 90 |
| Capital cushion | 100 | 100 |
| Loan quality | 97 (stronger) | 88 |
| Earnings | 79 (stronger) | 78 |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 96th | 95th |
| Total assets | $11.7M | $212.4M |
| Deposits / shares | $9.2M | $158.1M |
| Capital ratio | 20.91% | 24.16% (stronger) |
| Problem loans | 0.09% (stronger) | 0.36% |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 1.47% (stronger) | 1.46% |
| Loans ÷ deposits | 51.8% (stronger) | 75.1% |
| Uninsured deposits | 0.3% (stronger) | 5.3% |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
Northampton Area School Dist. Emps Federal Credit Union has the higher TellerScore (95 vs 90). On the 7 directional measures above (where higher or lower is clearly better), Northampton Area School Dist. Emps Federal Credit Union leads on 6 and Aac Credit Union on 1. 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.