Side-by-side · Q2 2026 data
Phoenixville Federal Bank and Trust vs Upper Darby Belltelco Federal Credit Union
Bank
Phoenixville Federal Bank and Trust
Phoenixville, Pennsylvania · $100 million – $1 billion
Credit union
Upper Darby Belltelco Federal Credit Union
Upper Darby, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Phoenixville Federal Bank and Trust | Upper Darby Belltelco Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 94 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 58 | 77 (stronger) |
| Earnings | 51 | 100 (stronger) |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 34th | 95th |
| Total assets | $648.0M | $71.6M |
| Deposits / shares | $559.1M | $53.5M |
| Capital ratio | 12.62% | 25.31% (stronger) |
| Problem loans | 1.25% | 0.69% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 0.77% | 2.00% (stronger) |
| Loans ÷ deposits | 88.2% | 41.9% (stronger) |
| Uninsured deposits | 13.9% | 10.1% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | 0.0% |
Upper Darby Belltelco Federal Credit Union has the higher TellerScore (94 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Phoenixville Federal Bank and Trust leads on 1 and Upper Darby Belltelco Federal Credit Union on 6. 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.