Side-by-side · Q2 2026 data
Central Keystone Federal Credit Union vs Pennsylvania State Employees Credit Union
Credit union
Central Keystone Federal Credit Union
Sunbury, Pennsylvania · Under $100 million in assets
Credit union
Pennsylvania State Employees Credit Union
Harrisburg, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | Central Keystone Federal Credit Union | Pennsylvania State Employees Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 76 (stronger) | 75 |
| Earnings | 68 | 99 (stronger) |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 83rd | 88th |
| Total assets | $63.8M | $9.7B |
| Deposits / shares | $51.3M | $8.5B |
| Capital ratio | 18.82% (stronger) | 11.85% |
| Problem loans | 0.72% (stronger) | 0.75% |
| Net charge-offs | 0.17% (stronger) | 0.84% |
| Return on assets | 1.20% | 1.98% (stronger) |
| Loans ÷ deposits | 51.6% (stronger) | 84.0% |
| Uninsured deposits | 6.7% (stronger) | 10.9% |
| Offices | 1 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.6% |
Central Keystone Federal Credit Union has the higher TellerScore (87 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Central Keystone Federal Credit Union leads on 6 and Pennsylvania State Employees Credit Union on 1. 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.