Side-by-side · Q2 2026 data
United Bank of Philadelphia vs Upper Darby Belltelco Federal Credit Union
Bank
United Bank of Philadelphia
Philadelphia, Pennsylvania · Under $100 million in assets
Credit union
Upper Darby Belltelco Federal Credit Union
Upper Darby, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | United Bank of Philadelphia | Upper Darby Belltelco Federal Credit Union |
|---|---|---|
| TellerScore | 47 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 77 (stronger) |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 27 | 98 (stronger) |
| Peer percentile | 8th | 95th |
| Total assets | $48.4M | $71.6M |
| Deposits / shares | $40.2M | $53.5M |
| Capital ratio | 16.58% | 25.31% (stronger) |
| Problem loans | 11.33% | 0.69% (stronger) |
| Net charge-offs | -0.12% (stronger) | 0.08% |
| Return on assets | -2.65% | 2.00% (stronger) |
| Loans ÷ deposits | 66.9% | 41.9% (stronger) |
| Uninsured deposits | 8.4% (stronger) | 10.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Upper Darby Belltelco Federal Credit Union has the higher TellerScore (94 vs 47). On the 7 directional measures above (where higher or lower is clearly better), United Bank of Philadelphia leads on 2 and Upper Darby Belltelco Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.