Side-by-side · Q2 2026 data
The Neffs National Bank vs First Commonwealth Federal Credit Union
Credit union
First Commonwealth Federal Credit Union
Lehigh Valley, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | The Neffs National Bank | First Commonwealth Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 56 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 99 (stronger) | 49 |
| Earnings | 41 | 47 (stronger) |
| Funding & liquidity | 91 (stronger) | 74 |
| Problem-loan coverage | 100 (stronger) | 76 |
| Peer percentile | 91st | 15th |
| Total assets | $470.8M | $1.5B |
| Deposits / shares | $371.9M | $1.3B |
| Capital ratio | 16.82% (stronger) | 10.12% |
| Problem loans | 0.04% (stronger) | 1.53% |
| Net charge-offs | 0.00% (stronger) | 0.62% |
| Return on assets | 0.53% | 0.68% (stronger) |
| Loans ÷ deposits | 68.8% (stronger) | 86.1% |
| Uninsured deposits | 9.5% | 7.7% (stronger) |
| Offices | 3 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.3% | 22.2% |
The Neffs National Bank has the higher TellerScore (87 vs 56). On the 7 directional measures above (where higher or lower is clearly better), The Neffs National Bank leads on 5 and First Commonwealth Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.