Side-by-side · Q2 2026 data
S&T Bank vs Top Tier Federal Credit Union
Metric by metric
| Measure | S&T Bank | Top Tier Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 71 (stronger) |
| Capital cushion | 60 (stronger) | 50 |
| Loan quality | 83 (stronger) | 80 |
| Earnings | 79 (stronger) | 76 |
| Funding & liquidity | 39 | 79 (stronger) |
| Problem-loan coverage | 95 (stronger) | 91 |
| Peer percentile | 58th | 54th |
| Total assets | $9.9B | $277.5M |
| Deposits / shares | $8.1B | $248.7M |
| Capital ratio | 11.02% (stronger) | 9.97% |
| Problem loans | 0.50% (stronger) | 0.60% |
| Net charge-offs | 0.07% (stronger) | 0.11% |
| Return on assets | 1.47% (stronger) | 1.39% |
| Loans ÷ deposits | 98.1% | 80.9% (stronger) |
| Uninsured deposits | 35.8% | 5.5% (stronger) |
| Offices | 71 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.1% | 3.6% |
Top Tier Federal Credit Union has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), S&T Bank leads on 4 and Top Tier Federal Credit Union on 3. 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.
Where both have branches
- Brookville, PA
- Butler, PA
- Clarion, PA