Side-by-side · Q2 2026 data
Citizens & Northern Bank vs Pennsylvania State Employees Credit Union
Credit union
Pennsylvania State Employees Credit Union
Harrisburg, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | Citizens & Northern Bank | Pennsylvania State Employees Credit Union |
|---|---|---|
| TellerScore | 53 | 80 (stronger) |
| Capital cushion | 50 | 69 (stronger) |
| Loan quality | 43 | 75 (stronger) |
| Earnings | 58 | 99 (stronger) |
| Funding & liquidity | 53 | 76 (stronger) |
| Problem-loan coverage | 79 | 90 (stronger) |
| Peer percentile | 11th | 88th |
| Total assets | $3.1B | $9.7B |
| Deposits / shares | $2.6B | $8.5B |
| Capital ratio | 9.96% | 11.85% (stronger) |
| Problem loans | 1.70% | 0.75% (stronger) |
| Net charge-offs | 0.88% | 0.84% (stronger) |
| Return on assets | 0.96% | 1.98% (stronger) |
| Loans ÷ deposits | 88.9% | 84.0% (stronger) |
| Uninsured deposits | 31.4% | 10.9% (stronger) |
| Offices | 34 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 15.6% |
Pennsylvania State Employees Credit Union has the higher TellerScore (80 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Citizens & Northern Bank leads on 0 and Pennsylvania State Employees Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Lancaster, PA
- Mansfield, PA