Side-by-side · Q2 2026 data
Penn-Trafford School Emp. Federal Credit Union vs North Districts Credit Union
Credit union
Penn-Trafford School Emp. Federal Credit Union
Trafford, Pennsylvania · Under $100 million in assets
Credit union
North Districts Credit Union
Gibsonia, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Penn-Trafford School Emp. Federal Credit Union | North Districts Credit Union |
|---|---|---|
| TellerScore | 99 (stronger) | 65 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 94 (stronger) | 61 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 81 |
| Peer percentile | 99th | 30th |
| Total assets | $5.3M | $45.4M |
| Deposits / shares | $4.2M | $38.3M |
| Capital ratio | 21.24% (stronger) | 15.42% |
| Problem loans | 0.00% (stronger) | 4.70% |
| Net charge-offs | 0.00% (stronger) | 0.67% |
| Return on assets | 1.85% (stronger) | 1.04% |
| Loans ÷ deposits | 52.8% | 36.8% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 1.5% |
| Offices | 2 | 1 |
| 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 65). On the 7 directional measures above (where higher or lower is clearly better), Penn-Trafford School Emp. Federal Credit Union leads on 6 and North Districts 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.