Side-by-side · Q2 2026 data
Everence Federal Credit Union vs Pennsylvania State Employees Credit Union
Credit union
Everence Federal Credit Union
Lancaster, Pennsylvania · $100 million – $1 billion
Credit union
Pennsylvania State Employees Credit Union
Harrisburg, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | Everence Federal Credit Union | Pennsylvania State Employees Credit Union |
|---|---|---|
| TellerScore | 64 | 80 (stronger) |
| Capital cushion | 37 | 69 (stronger) |
| Loan quality | 82 (stronger) | 75 |
| Earnings | 63 | 99 (stronger) |
| Funding & liquidity | 73 | 76 (stronger) |
| Problem-loan coverage | 90 | 90 |
| Peer percentile | 31st | 88th |
| Total assets | $449.8M | $9.7B |
| Deposits / shares | $413.1M | $8.5B |
| Capital ratio | 8.69% | 11.85% (stronger) |
| Problem loans | 0.54% (stronger) | 0.75% |
| Net charge-offs | 0.18% (stronger) | 0.84% |
| Return on assets | 1.07% | 1.98% (stronger) |
| Loans ÷ deposits | 87.4% | 84.0% (stronger) |
| Uninsured deposits | 5.1% (stronger) | 10.9% |
| Offices | 11 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.3% | 15.6% |
Pennsylvania State Employees Credit Union has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Everence Federal Credit Union leads on 3 and Pennsylvania State Employees Credit Union on 4. 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.