Side-by-side · Q2 2026 data
MCS Bank vs First Area Federal Credit Union
Credit union
First Area Federal Credit Union
Lewistown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | MCS Bank | First Area Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 71 |
| Capital cushion | 67 (stronger) | 51 |
| Loan quality | 88 (stronger) | 62 |
| Earnings | 55 | 76 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 53rd | 42nd |
| Total assets | $224.7M | $29.9M |
| Deposits / shares | $196.1M | $27.0M |
| Capital ratio | 11.69% (stronger) | 10.12% |
| Problem loans | 0.36% (stronger) | 1.15% |
| Net charge-offs | 0.04% (stronger) | 0.10% |
| Return on assets | 0.87% | 1.39% (stronger) |
| Loans ÷ deposits | 93.7% | 17.5% (stronger) |
| Uninsured deposits | 9.3% | 2.0% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
MCS Bank has the higher TellerScore (73 vs 71). On the 7 directional measures above (where higher or lower is clearly better), MCS Bank leads on 4 and First Area Federal Credit Union on 3. 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
- Lewistown, PA