Side-by-side · Q2 2026 data
Tri State Rail Federal Credit Union vs North Penn Federal Credit Union
Credit union
Tri State Rail Federal Credit Union
Erie, Pennsylvania · Under $100 million in assets
Credit union
North Penn Federal Credit Union
Colmar, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Tri State Rail Federal Credit Union | North Penn Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 76 |
| Loan quality | 83 (stronger) | 77 |
| Earnings | 40 | 65 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 75th | 65th |
| Total assets | $19.9M | $21.2M |
| Deposits / shares | $15.9M | $18.6M |
| Capital ratio | 19.98% (stronger) | 12.55% |
| Problem loans | 0.50% (stronger) | 0.68% |
| Net charge-offs | -0.17% (stronger) | 0.39% |
| Return on assets | 0.50% | 1.12% (stronger) |
| Loans ÷ deposits | 38.9% | 28.8% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 4.9% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tri State Rail Federal Credit Union has the higher TellerScore (84 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Tri State Rail Federal Credit Union leads on 5 and North Penn Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.