Side-by-side · Q2 2026 data
First Citizens Community Bank vs Palco Federal Credit Union
Metric by metric
| Measure | First Citizens Community Bank | Palco Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 87 (stronger) |
| Capital cushion | 46 | 81 (stronger) |
| Loan quality | 43 | 93 (stronger) |
| Earnings | 77 (stronger) | 71 |
| Funding & liquidity | 26 | 100 (stronger) |
| Problem-loan coverage | 77 | 99 (stronger) |
| Peer percentile | 9th | 91st |
| Total assets | $3.2B | $109.3M |
| Deposits / shares | $2.4B | $97.1M |
| Capital ratio | 9.64% | 13.10% (stronger) |
| Problem loans | 1.70% | 0.20% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.06% |
| Return on assets | 1.43% (stronger) | 1.28% |
| Loans ÷ deposits | 99.1% | 49.1% (stronger) |
| Uninsured deposits | 46.4% | 4.8% (stronger) |
| Offices | 43 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | 7.9% |
Palco Federal Credit Union has the higher TellerScore (87 vs 52). On the 7 directional measures above (where higher or lower is clearly better), First Citizens Community Bank 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.
Where both have branches
- Wellsboro, PA