Side-by-side · Q2 2026 data
Woodlands Bank vs Montoursville Area Federal Credit Union
Credit union
Montoursville Area Federal Credit Union
Montoursville, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Woodlands Bank | Montoursville Area Federal Credit Union |
|---|---|---|
| TellerScore | 44 | 91 (stronger) |
| Capital cushion | 39 | 92 (stronger) |
| Loan quality | 11 | 99 (stronger) |
| Earnings | 67 | 68 (stronger) |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 56 | 100 (stronger) |
| Peer percentile | 4th | 90th |
| Total assets | $640.3M | $6.2M |
| Deposits / shares | $574.2M | $5.3M |
| Capital ratio | 8.86% | 14.19% (stronger) |
| Problem loans | 2.68% | 0.03% (stronger) |
| Net charge-offs | 0.44% | 0.40% (stronger) |
| Return on assets | 1.18% | 1.21% (stronger) |
| Loans ÷ deposits | 78.5% | 32.9% (stronger) |
| Uninsured deposits | 24.2% | 0.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.4% | — |
Montoursville Area Federal Credit Union has the higher TellerScore (91 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Woodlands Bank leads on 0 and Montoursville Area Federal Credit Union on 7. 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.