Side-by-side · Q2 2026 data
Citizens & Northern Bank vs Palco Federal Credit Union
Metric by metric
| Measure | Citizens & Northern Bank | Palco Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 87 (stronger) |
| Capital cushion | 50 | 81 (stronger) |
| Loan quality | 43 | 93 (stronger) |
| Earnings | 58 | 71 (stronger) |
| Funding & liquidity | 53 | 100 (stronger) |
| Problem-loan coverage | 79 | 99 (stronger) |
| Peer percentile | 11th | 91st |
| Total assets | $3.1B | $109.3M |
| Deposits / shares | $2.6B | $97.1M |
| Capital ratio | 9.96% | 13.10% (stronger) |
| Problem loans | 1.70% | 0.20% (stronger) |
| Net charge-offs | 0.88% | 0.06% (stronger) |
| Return on assets | 0.96% | 1.28% (stronger) |
| Loans ÷ deposits | 88.9% | 49.1% (stronger) |
| Uninsured deposits | 31.4% | 4.8% (stronger) |
| Offices | 34 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 7.9% |
Palco Federal Credit Union has the higher TellerScore (87 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Citizens & Northern Bank leads on 0 and Palco Federal Credit Union on 7. 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
- Muncy, PA
- Wellsboro, PA