Side-by-side · Q2 2026 data
ACNB Bank vs First Capital Federal Credit Union
Metric by metric
| Measure | ACNB Bank | First Capital Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 81 (stronger) |
| Capital cushion | 62 | 70 (stronger) |
| Loan quality | 87 | 93 (stronger) |
| Earnings | 92 (stronger) | 63 |
| Funding & liquidity | 58 | 94 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 83rd | 80th |
| Total assets | $3.3B | $368.5M |
| Deposits / shares | $2.6B | $322.4M |
| Capital ratio | 11.25% | 11.95% (stronger) |
| Problem loans | 0.40% | 0.20% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.12% |
| Return on assets | 1.80% (stronger) | 1.07% |
| Loans ÷ deposits | 94.2% | 66.6% (stronger) |
| Uninsured deposits | 22.4% | 3.7% (stronger) |
| Offices | 31 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 18.7% |
First Capital Federal Credit Union has the higher TellerScore (81 vs 77). On the 7 directional measures above (where higher or lower is clearly better), ACNB Bank leads on 2 and First Capital 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.