Side-by-side · Q2 2026 data
ACNB Bank vs Ferko Md Federal Credit Union
Credit union
Ferko Md Federal Credit Union
Frederick, Maryland · Under $100 million in assets
Metric by metric
| Measure | ACNB Bank | Ferko Md Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 94 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 87 (stronger) | 81 |
| Earnings | 92 | 97 (stronger) |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 83rd | 95th |
| Total assets | $3.3B | $30.1M |
| Deposits / shares | $2.6B | $24.2M |
| Capital ratio | 11.25% | 19.44% (stronger) |
| Problem loans | 0.40% (stronger) | 0.58% |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 1.80% | 1.93% (stronger) |
| Loans ÷ deposits | 94.2% | 45.3% (stronger) |
| Uninsured deposits | 22.4% | 0.1% (stronger) |
| Offices | 31 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | — |
Ferko Md Federal Credit Union has the higher TellerScore (94 vs 77). On the 7 directional measures above (where higher or lower is clearly better), ACNB Bank leads on 2 and Ferko Md Federal Credit Union on 5. 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.