Side-by-side · Q2 2026 data
Pheple Federal Credit Union vs Penn-Trafford School Emp. Federal Credit Union
Credit union
Penn-Trafford School Emp. Federal Credit Union
Trafford, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Pheple Federal Credit Union | Penn-Trafford School Emp. Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 99 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 81 | 100 (stronger) |
| Earnings | 50 | 94 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 29th | 99th |
| Total assets | $134.0M | $5.3M |
| Deposits / shares | $121.1M | $4.2M |
| Capital ratio | 9.55% | 21.24% (stronger) |
| Problem loans | 0.57% | 0.00% (stronger) |
| Net charge-offs | 0.33% | 0.00% (stronger) |
| Return on assets | 0.76% | 1.85% (stronger) |
| Loans ÷ deposits | 93.4% | 52.8% (stronger) |
| Uninsured deposits | 1.2% | 0.0% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | — |
Penn-Trafford School Emp. Federal Credit Union has the higher TellerScore (99 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Pheple Federal Credit Union leads on 0 and Penn-Trafford School Emp. Federal Credit Union on 7. 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.