Side-by-side · Q2 2026 data
The Neffs National Bank vs Bethlehem 1st Federal Credit Union
Credit union
Bethlehem 1st Federal Credit Union
Bethlehem, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | The Neffs National Bank | Bethlehem 1st Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 99 (stronger) | 30 |
| Earnings | 41 | 69 (stronger) |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 91st | 36th |
| Total assets | $470.8M | $75.7M |
| Deposits / shares | $371.9M | $67.0M |
| Capital ratio | 16.82% (stronger) | 12.36% |
| Problem loans | 0.04% (stronger) | 2.11% |
| Net charge-offs | 0.00% (stronger) | 0.44% |
| Return on assets | 0.53% | 1.21% (stronger) |
| Loans ÷ deposits | 68.8% | 34.2% (stronger) |
| Uninsured deposits | 9.5% | 7.4% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.3% | — |
The Neffs National Bank has the higher TellerScore (87 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Neffs National Bank leads on 4 and Bethlehem 1st 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.