Side-by-side · Q2 2026 data
Santander Bank, N.A. vs Upper Darby Belltelco Federal Credit Union
Credit union
Upper Darby Belltelco Federal Credit Union
Upper Darby, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Santander Bank, N.A. | Upper Darby Belltelco Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 94 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 39 | 77 (stronger) |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 73rd | 95th |
| Total assets | $104.0B | $71.6M |
| Deposits / shares | $84.4B | $53.5M |
| Capital ratio | 12.48% | 25.31% (stronger) |
| Problem loans | 1.84% | 0.69% (stronger) |
| Net charge-offs | 0.55% | 0.08% (stronger) |
| Return on assets | 1.00% | 2.00% (stronger) |
| Loans ÷ deposits | 67.9% | 41.9% (stronger) |
| Uninsured deposits | 31.9% | 10.1% (stronger) |
| Offices | 554 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Upper Darby Belltelco Federal Credit Union has the higher TellerScore (94 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Santander Bank, N.A. leads on 0 and Upper Darby Belltelco Federal Credit Union on 7. 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.