Side-by-side · Q2 2026 data
Penntech Employees Federal Credit Union vs Scranton Downtown Federal Credit Union
Credit union
Penntech Employees Federal Credit Union
Johnsonburg, Pennsylvania · Under $100 million in assets
Credit union
Scranton Downtown Federal Credit Union
Scranton, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Penntech Employees Federal Credit Union | Scranton Downtown Federal Credit Union |
|---|---|---|
| TellerScore | 46 | 64 (stronger) |
| Capital cushion | 53 | 67 (stronger) |
| Loan quality | 3 | 53 (stronger) |
| Earnings | 31 | 34 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 80 | 92 (stronger) |
| Peer percentile | 6th | 28th |
| Total assets | $13.9M | $13.2M |
| Deposits / shares | $12.4M | $11.6M |
| Capital ratio | 10.30% | 11.72% (stronger) |
| Problem loans | 2.90% | 1.41% (stronger) |
| Net charge-offs | 0.52% | 0.00% (stronger) |
| Return on assets | 0.28% | 0.36% (stronger) |
| Loans ÷ deposits | 39.6% (stronger) | 39.6% |
| Uninsured deposits | 0.0% (stronger) | 7.0% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Scranton Downtown Federal Credit Union has the higher TellerScore (64 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Penntech Employees Federal Credit Union leads on 2 and Scranton Downtown Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.