Side-by-side · Q2 2026 data
The Neffs National Bank vs Northampton Area School Dist. Emps Federal Credit Union
Credit union
Northampton Area School Dist. Emps Federal Credit Union
Northampton, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | The Neffs National Bank | Northampton Area School Dist. Emps Federal Credit Union |
|---|---|---|
| TellerScore | 87 | 95 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 99 (stronger) | 97 |
| Earnings | 41 | 79 (stronger) |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 91st | 96th |
| Total assets | $470.8M | $11.7M |
| Deposits / shares | $371.9M | $9.2M |
| Capital ratio | 16.82% | 20.91% (stronger) |
| Problem loans | 0.04% (stronger) | 0.09% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.53% | 1.47% (stronger) |
| Loans ÷ deposits | 68.8% | 51.8% (stronger) |
| Uninsured deposits | 9.5% | 0.3% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.3% | — |
Northampton Area School Dist. Emps Federal Credit Union has the higher TellerScore (95 vs 87). On the 7 directional measures above (where higher or lower is clearly better), The Neffs National Bank leads on 1 and Northampton Area School Dist. Emps Federal Credit Union on 6. 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.