Side-by-side · Q2 2026 data
First Capital Federal Credit Union vs Pennsylvania State Employees Credit Union
Credit union
Pennsylvania State Employees Credit Union
Harrisburg, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | First Capital Federal Credit Union | Pennsylvania State Employees Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 80 |
| Capital cushion | 70 (stronger) | 69 |
| Loan quality | 93 (stronger) | 75 |
| Earnings | 63 | 99 (stronger) |
| Funding & liquidity | 94 (stronger) | 76 |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 80th | 88th |
| Total assets | $368.5M | $9.7B |
| Deposits / shares | $322.4M | $8.5B |
| Capital ratio | 11.95% (stronger) | 11.85% |
| Problem loans | 0.20% (stronger) | 0.75% |
| Net charge-offs | 0.12% (stronger) | 0.84% |
| Return on assets | 1.07% | 1.98% (stronger) |
| Loans ÷ deposits | 66.6% (stronger) | 84.0% |
| Uninsured deposits | 3.7% (stronger) | 10.9% |
| Offices | 5 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.7% | 15.6% |
First Capital Federal Credit Union has the higher TellerScore (81 vs 80). On the 7 directional measures above (where higher or lower is clearly better), First Capital Federal Credit Union leads on 6 and Pennsylvania State Employees Credit Union on 1. 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.