Side-by-side · Q2 2026 data
Somerset Trust Company vs Dertown School Federal Credit Union
Credit union
Dertown School Federal Credit Union
Latrobe, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Somerset Trust Company | Dertown School Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 84 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 50 | 100 (stronger) |
| Earnings | 66 (stronger) | 50 |
| Funding & liquidity | 62 (stronger) | 58 |
| Problem-loan coverage | 78 | 100 (stronger) |
| Peer percentile | 13th | 75th |
| Total assets | $2.5B | $12.3M |
| Deposits / shares | $2.0B | $8.5M |
| Capital ratio | 9.10% | 30.42% (stronger) |
| Problem loans | 1.49% | 0.00% (stronger) |
| Net charge-offs | 0.12% | 0.00% (stronger) |
| Return on assets | 1.16% (stronger) | 0.75% |
| Loans ÷ deposits | 80.2% (stronger) | 102.3% |
| Uninsured deposits | 31.2% | 0.0% (stronger) |
| Offices | 49 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | — |
Dertown School Federal Credit Union has the higher TellerScore (84 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Somerset Trust Company leads on 2 and Dertown School 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.