Side-by-side · Q2 2026 data
Penn-Trafford School Emp. Federal Credit Union vs U.A.L.U. 354 Federal Credit Union
Credit union
Penn-Trafford School Emp. Federal Credit Union
Trafford, Pennsylvania · Under $100 million in assets
Credit union
U.A.L.U. 354 Federal Credit Union
Youngwood, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Penn-Trafford School Emp. Federal Credit Union | U.A.L.U. 354 Federal Credit Union |
|---|---|---|
| TellerScore | 99 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 67 |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 94 (stronger) | 69 |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 99th | 62nd |
| Total assets | $5.3M | $6.9M |
| Deposits / shares | $4.2M | $6.1M |
| Capital ratio | 21.24% (stronger) | 11.74% |
| Problem loans | 0.00% (stronger) | 0.41% |
| Net charge-offs | 0.00% | -0.52% (stronger) |
| Return on assets | 1.85% (stronger) | 1.21% |
| Loans ÷ deposits | 52.8% (stronger) | 65.5% |
| Uninsured deposits | 0.0% | 0.0% |
| 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 79). On the 6 directional measures above (where higher or lower is clearly better), Penn-Trafford School Emp. Federal Credit Union leads on 5 and U.A.L.U. 354 Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.