Side-by-side · Q2 2026 data
The Ephrata National Bank vs Lancaster Red Rose Credit Union
Credit union
Lancaster Red Rose Credit Union
Leola, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | The Ephrata National Bank | Lancaster Red Rose Credit Union |
|---|---|---|
| TellerScore | 67 | 92 (stronger) |
| Capital cushion | 46 | 99 (stronger) |
| Loan quality | 82 (stronger) | 80 |
| Earnings | 61 | 88 (stronger) |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 44th | 92nd |
| Total assets | $2.4B | $54.8M |
| Deposits / shares | $2.0B | $46.5M |
| Capital ratio | 9.63% | 14.90% (stronger) |
| Problem loans | 0.54% (stronger) | 0.61% |
| Net charge-offs | 0.04% (stronger) | 0.09% |
| Return on assets | 1.01% | 1.71% (stronger) |
| Loans ÷ deposits | 81.8% | 51.6% (stronger) |
| Uninsured deposits | 12.1% | 3.2% (stronger) |
| Offices | 18 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
Lancaster Red Rose Credit Union has the higher TellerScore (92 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Ephrata National Bank leads on 2 and Lancaster Red Rose 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.
Where both have branches
- Leola, PA