Side-by-side · Q2 2026 data
First Citizens Community Bank vs Pennsylvania State Employees Credit Union
Credit union
Pennsylvania State Employees Credit Union
Harrisburg, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | First Citizens Community Bank | Pennsylvania State Employees Credit Union |
|---|---|---|
| TellerScore | 52 | 80 (stronger) |
| Capital cushion | 46 | 69 (stronger) |
| Loan quality | 43 | 75 (stronger) |
| Earnings | 77 | 99 (stronger) |
| Funding & liquidity | 26 | 76 (stronger) |
| Problem-loan coverage | 77 | 90 (stronger) |
| Peer percentile | 9th | 88th |
| Total assets | $3.2B | $9.7B |
| Deposits / shares | $2.4B | $8.5B |
| Capital ratio | 9.64% | 11.85% (stronger) |
| Problem loans | 1.70% | 0.75% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.84% |
| Return on assets | 1.43% | 1.98% (stronger) |
| Loans ÷ deposits | 99.1% | 84.0% (stronger) |
| Uninsured deposits | 46.4% | 10.9% (stronger) |
| Offices | 43 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | 15.6% |
Pennsylvania State Employees Credit Union has the higher TellerScore (80 vs 52). On the 7 directional measures above (where higher or lower is clearly better), First Citizens Community Bank leads on 1 and Pennsylvania State Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Mansfield, PA