Side-by-side · Q2 2026 data
Penntech Employees Federal Credit Union vs Mountain Laurel Federal Credit Union
Credit union
Penntech Employees Federal Credit Union
Johnsonburg, Pennsylvania · Under $100 million in assets
Credit union
Mountain Laurel Federal Credit Union
Saint Marys, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Penntech Employees Federal Credit Union | Mountain Laurel Federal Credit Union |
|---|---|---|
| TellerScore | 46 | 99 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 3 | 97 (stronger) |
| Earnings | 31 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 80 | 100 (stronger) |
| Peer percentile | 6th | 100th |
| Total assets | $13.9M | $174.2M |
| Deposits / shares | $12.4M | $139.3M |
| Capital ratio | 10.30% | 19.68% (stronger) |
| Problem loans | 2.90% | 0.08% (stronger) |
| Net charge-offs | 0.52% | 0.08% (stronger) |
| Return on assets | 0.28% | 2.21% (stronger) |
| Loans ÷ deposits | 39.6% (stronger) | 60.1% |
| Uninsured deposits | 0.0% (stronger) | 1.0% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mountain Laurel Federal Credit Union has the higher TellerScore (99 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Penntech Employees Federal Credit Union leads on 2 and Mountain Laurel Federal Credit Union on 5. 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.