Side-by-side · Q2 2026 data
ACNB Bank vs Everence Federal Credit Union
Credit union
Everence Federal Credit Union
Lancaster, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | ACNB Bank | Everence Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 64 |
| Capital cushion | 62 (stronger) | 37 |
| Loan quality | 87 (stronger) | 82 |
| Earnings | 92 (stronger) | 63 |
| Funding & liquidity | 58 | 73 (stronger) |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 83rd | 31st |
| Total assets | $3.3B | $449.8M |
| Deposits / shares | $2.6B | $413.1M |
| Capital ratio | 11.25% (stronger) | 8.69% |
| Problem loans | 0.40% (stronger) | 0.54% |
| Net charge-offs | 0.01% (stronger) | 0.18% |
| Return on assets | 1.80% (stronger) | 1.07% |
| Loans ÷ deposits | 94.2% | 87.4% (stronger) |
| Uninsured deposits | 22.4% | 5.1% (stronger) |
| Offices | 31 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 30.3% |
ACNB Bank has the higher TellerScore (77 vs 64). On the 7 directional measures above (where higher or lower is clearly better), ACNB Bank leads on 5 and Everence Federal Credit Union on 2. 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.