Side-by-side · Q2 2026 data
Cacl Federal Credit Union vs Penn State Federal Credit Union
Credit union
Penn State Federal Credit Union
Bellefonte, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Cacl Federal Credit Union | Penn State Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 93 (stronger) |
| Capital cushion | 51 | 90 (stronger) |
| Loan quality | 76 | 89 (stronger) |
| Earnings | 60 | 94 (stronger) |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 84 | 98 (stronger) |
| Peer percentile | 34th | 97th |
| Total assets | $255.7M | $274.4M |
| Deposits / shares | $230.1M | $238.4M |
| Capital ratio | 10.05% | 14.01% (stronger) |
| Problem loans | 0.73% | 0.33% (stronger) |
| Net charge-offs | 0.73% | 0.02% (stronger) |
| Return on assets | 1.00% | 1.86% (stronger) |
| Loans ÷ deposits | 94.0% | 56.4% (stronger) |
| Uninsured deposits | 4.5% (stronger) | 4.9% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Penn State Federal Credit Union has the higher TellerScore (93 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Cacl Federal Credit Union leads on 1 and Penn State Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.