Side-by-side · Q2 2026 data
Saint Nicholas Federal Credit Union vs Kennaford Federal Credit Union
Credit union
Saint Nicholas Federal Credit Union
Wilkes Barre, Pennsylvania · Under $100 million in assets
Credit union
Kennaford Federal Credit Union
Bedford, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Saint Nicholas Federal Credit Union | Kennaford Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 60 |
| Capital cushion | 100 | 100 |
| Loan quality | 72 (stronger) | 25 |
| Earnings | 55 (stronger) | 3 |
| Funding & liquidity | 87 | 93 (stronger) |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 68th | 22nd |
| Total assets | $3.6M | $3.8M |
| Deposits / shares | $3.1M | $2.5M |
| Capital ratio | 14.99% | 32.79% (stronger) |
| Problem loans | 0.85% (stronger) | 2.25% |
| Net charge-offs | 0.69% | 0.24% (stronger) |
| Return on assets | 0.87% (stronger) | -0.42% |
| Loans ÷ deposits | 73.7% | 67.2% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Saint Nicholas Federal Credit Union has the higher TellerScore (81 vs 60). On the 6 directional measures above (where higher or lower is clearly better), Saint Nicholas Federal Credit Union leads on 3 and Kennaford Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.