Side-by-side · Q2 2026 data
Orrstown Bank vs Penn-Trafford School Emp. Federal Credit Union
Credit union
Penn-Trafford School Emp. Federal Credit Union
Trafford, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Orrstown Bank | Penn-Trafford School Emp. Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 99 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 80 | 100 (stronger) |
| Earnings | 88 | 94 (stronger) |
| Funding & liquidity | 57 | 100 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 58th | 99th |
| Total assets | $5.6B | $5.3M |
| Deposits / shares | $4.6B | $4.2M |
| Capital ratio | 9.97% | 21.24% (stronger) |
| Problem loans | 0.60% | 0.00% (stronger) |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 1.69% | 1.85% (stronger) |
| Loans ÷ deposits | 88.0% | 52.8% (stronger) |
| Uninsured deposits | 29.1% | 0.0% (stronger) |
| Offices | 38 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.0% | — |
Penn-Trafford School Emp. Federal Credit Union has the higher TellerScore (99 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Orrstown Bank leads on 0 and Penn-Trafford School Emp. Federal Credit Union on 7. 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.