Side-by-side · Q2 2026 data
The Ephrata National Bank vs Pagoda Federal Credit Union
Credit union
Pagoda Federal Credit Union
Reading, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | The Ephrata National Bank | Pagoda Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 87 (stronger) |
| Capital cushion | 46 | 70 (stronger) |
| Loan quality | 82 | 90 (stronger) |
| Earnings | 61 | 93 (stronger) |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 44th | 83rd |
| Total assets | $2.4B | $32.6M |
| Deposits / shares | $2.0B | $28.6M |
| Capital ratio | 9.63% | 11.97% (stronger) |
| Problem loans | 0.54% | 0.31% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.51% |
| Return on assets | 1.01% | 1.81% (stronger) |
| Loans ÷ deposits | 81.8% | 34.0% (stronger) |
| Uninsured deposits | 12.1% | 4.1% (stronger) |
| Offices | 18 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
Pagoda Federal Credit Union has the higher TellerScore (87 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Ephrata National Bank leads on 1 and Pagoda Federal Credit Union on 6. 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.