Side-by-side · Q2 2026 data
The Honesdale National Bank vs Earning Tree Federal Credit Union
Credit union
Earning Tree Federal Credit Union
Wilkes Barre, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | The Honesdale National Bank | Earning Tree Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 46 |
| Capital cushion | 87 (stronger) | 52 |
| Loan quality | 92 (stronger) | 0 |
| Earnings | 80 (stronger) | 31 |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 95th | 6th |
| Total assets | $1.2B | $49.4M |
| Deposits / shares | $993.3M | $44.7M |
| Capital ratio | 13.74% (stronger) | 10.19% |
| Problem loans | 0.24% (stronger) | 3.89% |
| Net charge-offs | 0.08% (stronger) | 0.37% |
| Return on assets | 1.50% (stronger) | 0.28% |
| Loans ÷ deposits | 91.3% | 15.1% (stronger) |
| Uninsured deposits | 24.4% | 7.1% (stronger) |
| Offices | 15 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.4% | — |
The Honesdale National Bank has the higher TellerScore (84 vs 46). On the 7 directional measures above (where higher or lower is clearly better), The Honesdale National Bank leads on 5 and Earning Tree Federal Credit Union on 2. 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.