Side-by-side · Q2 2026 data
Penntech Employees Federal Credit Union vs Spojnia Credit Union
Credit union
Penntech Employees Federal Credit Union
Johnsonburg, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Penntech Employees Federal Credit Union | Spojnia Credit Union |
|---|---|---|
| TellerScore | 46 | 50 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 3 (stronger) | 0 |
| Earnings | 31 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 80 (stronger) | 58 |
| Peer percentile | 6th | 9th |
| Total assets | $13.9M | $14.3M |
| Deposits / shares | $12.4M | $12.1M |
| Capital ratio | 10.30% | 15.49% (stronger) |
| Problem loans | 2.90% (stronger) | 8.33% |
| Net charge-offs | 0.52% | 0.00% (stronger) |
| Return on assets | 0.28% (stronger) | -0.63% |
| Loans ÷ deposits | 39.6% (stronger) | 46.4% |
| Uninsured deposits | 0.0% (stronger) | 22.3% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spojnia Credit Union has the higher TellerScore (50 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Penntech Employees Federal Credit Union leads on 4 and Spojnia Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.