Side-by-side · Q2 2026 data
Central Penn Bank & Trust vs Palco Federal Credit Union
Metric by metric
| Measure | Central Penn Bank & Trust | Palco Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 87 (stronger) |
| Capital cushion | 40 | 81 (stronger) |
| Loan quality | 73 | 93 (stronger) |
| Earnings | 84 (stronger) | 71 |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 44th | 91st |
| Total assets | $1.3B | $109.3M |
| Deposits / shares | $1.1B | $97.1M |
| Capital ratio | 9.01% | 13.10% (stronger) |
| Problem loans | 0.80% | 0.20% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.06% |
| Return on assets | 1.61% (stronger) | 1.28% |
| Loans ÷ deposits | 81.6% | 49.1% (stronger) |
| Uninsured deposits | 18.8% | 4.8% (stronger) |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | 7.9% |
Palco 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 Palco 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.