Side-by-side · Q2 2026 data
Central Penn Bank & Trust vs Central Keystone Federal Credit Union
Credit union
Central Keystone Federal Credit Union
Sunbury, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Central Penn Bank & Trust | Central Keystone Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 87 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 73 | 76 (stronger) |
| Earnings | 84 (stronger) | 68 |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 44th | 83rd |
| Total assets | $1.3B | $63.8M |
| Deposits / shares | $1.1B | $51.3M |
| Capital ratio | 9.01% | 18.82% (stronger) |
| Problem loans | 0.80% | 0.72% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.17% |
| Return on assets | 1.61% (stronger) | 1.20% |
| Loans ÷ deposits | 81.6% | 51.6% (stronger) |
| Uninsured deposits | 18.8% | 6.7% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
Central Keystone Federal Credit Union has the higher TellerScore (87 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Central Penn Bank & Trust leads on 2 and Central Keystone 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.
Where both have branches
- Sunbury, PA