Side-by-side · Q2 2026 data
Philo Exchange Bank vs Tee-Pak Credit Union
Metric by metric
| Measure | Philo Exchange Bank | Tee-Pak Credit Union |
|---|---|---|
| TellerScore | 76 | 79 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 99 (stronger) | 70 |
| Earnings | 60 (stronger) | 33 |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 64th | 62nd |
| Total assets | $156.6M | $23.8M |
| Deposits / shares | $130.3M | $19.8M |
| Capital ratio | 10.18% | 16.28% (stronger) |
| Problem loans | 0.02% (stronger) | 0.89% |
| Net charge-offs | 0.13% (stronger) | 0.55% |
| Return on assets | 1.01% (stronger) | 0.32% |
| Loans ÷ deposits | 67.6% | 60.1% (stronger) |
| Uninsured deposits | 17.5% | 2.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tee-Pak Credit Union has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Philo Exchange Bank leads on 3 and Tee-Pak Credit Union on 4. 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.