Side-by-side · Q2 2026 data
S&T Bank vs Mountain Laurel Federal Credit Union
Credit union
Mountain Laurel Federal Credit Union
Saint Marys, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | S&T Bank | Mountain Laurel Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 99 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 83 | 97 (stronger) |
| Earnings | 79 | 100 (stronger) |
| Funding & liquidity | 39 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 58th | 100th |
| Total assets | $9.9B | $174.2M |
| Deposits / shares | $8.1B | $139.3M |
| Capital ratio | 11.02% | 19.68% (stronger) |
| Problem loans | 0.50% | 0.08% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.08% |
| Return on assets | 1.47% | 2.21% (stronger) |
| Loans ÷ deposits | 98.1% | 60.1% (stronger) |
| Uninsured deposits | 35.8% | 1.0% (stronger) |
| Offices | 71 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.1% | — |
Mountain Laurel Federal Credit Union has the higher TellerScore (99 vs 70). On the 7 directional measures above (where higher or lower is clearly better), S&T Bank leads on 1 and Mountain Laurel 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.