Side-by-side · Q2 2026 data
The Ephrata National Bank vs Utilities Employees Credit Union
Metric by metric
| Measure | The Ephrata National Bank | Utilities Employees Credit Union |
|---|---|---|
| TellerScore | 67 | 77 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 82 (stronger) | 58 |
| Earnings | 61 (stronger) | 42 |
| Funding & liquidity | 78 | 97 (stronger) |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 44th | 82nd |
| Total assets | $2.4B | $1.5B |
| Deposits / shares | $2.0B | $1.3B |
| Capital ratio | 9.63% | 15.73% (stronger) |
| Problem loans | 0.54% (stronger) | 1.26% |
| Net charge-offs | 0.04% (stronger) | 0.18% |
| Return on assets | 1.01% (stronger) | 0.54% |
| Loans ÷ deposits | 81.8% | 63.5% (stronger) |
| Uninsured deposits | 12.1% | 5.8% (stronger) |
| Offices | 18 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 20.2% |
Utilities Employees Credit Union has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Ephrata National Bank leads on 3 and Utilities Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.