Side-by-side · Q2 2026 data
The Honesdale National Bank vs U. H. S. Employees Federal Credit Union
Credit union
U. H. S. Employees Federal Credit Union
Johnson City, New York · Under $100 million in assets
Metric by metric
| Measure | The Honesdale National Bank | U. H. S. Employees Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 72 |
| Capital cushion | 87 (stronger) | 57 |
| Loan quality | 92 (stronger) | 65 |
| Earnings | 80 (stronger) | 75 |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 95th | 44th |
| Total assets | $1.2B | $25.6M |
| Deposits / shares | $993.3M | $22.7M |
| Capital ratio | 13.74% (stronger) | 10.66% |
| Problem loans | 0.24% (stronger) | 1.05% |
| Net charge-offs | 0.08% | -0.02% (stronger) |
| Return on assets | 1.50% (stronger) | 1.38% |
| Loans ÷ deposits | 91.3% | 53.6% (stronger) |
| Uninsured deposits | 24.4% | 0.0% (stronger) |
| Offices | 15 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.4% | — |
The Honesdale National Bank has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Honesdale National Bank leads on 4 and U. H. S. Employees Federal Credit Union on 3. 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.