Side-by-side · Q2 2026 data
The Ephrata National Bank vs Members 1st Federal Credit Union
Credit union
Members 1st Federal Credit Union
Enola, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | The Ephrata National Bank | Members 1st Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 88 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 82 (stronger) | 76 |
| Earnings | 61 | 100 (stronger) |
| Funding & liquidity | 78 (stronger) | 64 |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 44th | 96th |
| Total assets | $2.4B | $8.7B |
| Deposits / shares | $2.0B | $7.3B |
| Capital ratio | 9.63% | 15.13% (stronger) |
| Problem loans | 0.54% (stronger) | 0.73% |
| Net charge-offs | 0.04% (stronger) | 0.58% |
| Return on assets | 1.01% | 2.38% (stronger) |
| Loans ÷ deposits | 81.8% (stronger) | 96.2% |
| Uninsured deposits | 12.1% | 10.2% (stronger) |
| Offices | 18 | 31 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
Members 1st Federal Credit Union has the higher TellerScore (88 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Ephrata National Bank leads on 3 and Members 1st Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.