Side-by-side · Q2 2026 data
UNB Bank vs Service 1st Federal Credit Union
Credit union
Service 1st Federal Credit Union
Danville, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | UNB Bank | Service 1st Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 71 (stronger) |
| Capital cushion | 43 | 61 (stronger) |
| Loan quality | 96 (stronger) | 84 |
| Earnings | 25 | 64 (stronger) |
| Funding & liquidity | 100 (stronger) | 62 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 34th | 54th |
| Total assets | $167.3M | $837.1M |
| Deposits / shares | $156.4M | $745.4M |
| Capital ratio | 9.33% | 11.10% (stronger) |
| Problem loans | 0.12% (stronger) | 0.49% |
| Net charge-offs | 0.01% (stronger) | 0.46% |
| Return on assets | 0.14% | 1.10% (stronger) |
| Loans ÷ deposits | 57.2% (stronger) | 98.3% |
| Uninsured deposits | 9.8% (stronger) | 13.1% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.8% | — |
Service 1st Federal Credit Union has the higher TellerScore (71 vs 67). On the 7 directional measures above (where higher or lower is clearly better), UNB Bank leads on 4 and Service 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.