Side-by-side · Q2 2026 data
Santander Bank, N.A. vs Police & Fire Federal Credit Union
Credit union
Police & Fire Federal Credit Union
Philadelphia, Pennsylvania · Over $10 billion
Metric by metric
| Measure | Santander Bank, N.A. | Police & Fire Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 96 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 39 | 92 (stronger) |
| Earnings | 60 | 98 (stronger) |
| Funding & liquidity | 73 | 91 (stronger) |
| Problem-loan coverage | 86 | 99 (stronger) |
| Peer percentile | 73rd | 100th |
| Total assets | $104.0B | $10.2B |
| Deposits / shares | $84.4B | $8.3B |
| Capital ratio | 12.48% | 18.56% (stronger) |
| Problem loans | 1.84% | 0.24% (stronger) |
| Net charge-offs | 0.55% | 0.33% (stronger) |
| Return on assets | 1.00% | 1.95% (stronger) |
| Loans ÷ deposits | 67.9% (stronger) | 68.9% |
| Uninsured deposits | 31.9% | 9.1% (stronger) |
| Offices | 554 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Police & Fire Federal Credit Union has the higher TellerScore (96 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Santander Bank, N.A. leads on 1 and Police & Fire 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.