Side-by-side · Q2 2026 data
Saint Nicholas Federal Credit Union vs Ufcw Community Federal Credit Union
Credit union
Saint Nicholas Federal Credit Union
Wilkes Barre, Pennsylvania · Under $100 million in assets
Credit union
Ufcw Community Federal Credit Union
Wyoming, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Saint Nicholas Federal Credit Union | Ufcw Community Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 86 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 72 (stronger) | 61 |
| Earnings | 55 | 80 (stronger) |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 68th | 89th |
| Total assets | $3.6M | $181.4M |
| Deposits / shares | $3.1M | $158.9M |
| Capital ratio | 14.99% | 15.35% (stronger) |
| Problem loans | 0.85% (stronger) | 1.18% |
| Net charge-offs | 0.69% | 0.44% (stronger) |
| Return on assets | 0.87% | 1.51% (stronger) |
| Loans ÷ deposits | 73.7% | 36.6% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.6% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Ufcw Community Federal Credit Union has the higher TellerScore (86 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Saint Nicholas Federal Credit Union leads on 2 and Ufcw Community Federal Credit Union on 5. 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.