Side-by-side · Q2 2026 data
ACNB Bank vs Pennsylvania State Employees Credit Union
Credit union
Pennsylvania State Employees Credit Union
Harrisburg, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | ACNB Bank | Pennsylvania State Employees Credit Union |
|---|---|---|
| TellerScore | 77 | 80 (stronger) |
| Capital cushion | 62 | 69 (stronger) |
| Loan quality | 87 (stronger) | 75 |
| Earnings | 92 | 99 (stronger) |
| Funding & liquidity | 58 | 76 (stronger) |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 83rd | 88th |
| Total assets | $3.3B | $9.7B |
| Deposits / shares | $2.6B | $8.5B |
| Capital ratio | 11.25% | 11.85% (stronger) |
| Problem loans | 0.40% (stronger) | 0.75% |
| Net charge-offs | 0.01% (stronger) | 0.84% |
| Return on assets | 1.80% | 1.98% (stronger) |
| Loans ÷ deposits | 94.2% | 84.0% (stronger) |
| Uninsured deposits | 22.4% | 10.9% (stronger) |
| Offices | 31 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 15.6% |
Pennsylvania State Employees Credit Union has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), ACNB Bank leads on 2 and Pennsylvania State Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.