Side-by-side · Q2 2026 data
Sarco Federal Credit Union vs Northampton Area School Dist. Emps Federal Credit Union
Credit union
Northampton Area School Dist. Emps Federal Credit Union
Northampton, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Sarco Federal Credit Union | Northampton Area School Dist. Emps Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 95 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 59 | 97 (stronger) |
| Earnings | 84 (stronger) | 79 |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 70th | 96th |
| Total assets | $9.4M | $11.7M |
| Deposits / shares | $7.2M | $9.2M |
| Capital ratio | 23.41% (stronger) | 20.91% |
| Problem loans | 1.22% | 0.09% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.61% (stronger) | 1.47% |
| Loans ÷ deposits | 86.7% | 51.8% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 0.3% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northampton Area School Dist. Emps Federal Credit Union has the higher TellerScore (95 vs 82). On the 6 directional measures above (where higher or lower is clearly better), Sarco Federal Credit Union leads on 3 and Northampton Area School Dist. Emps Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.