Side-by-side · Q2 2026 data
MCS Bank vs Penn State Federal Credit Union
Credit union
Penn State Federal Credit Union
Bellefonte, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | MCS Bank | Penn State Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 93 (stronger) |
| Capital cushion | 67 | 90 (stronger) |
| Loan quality | 88 | 89 (stronger) |
| Earnings | 55 | 94 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 53rd | 97th |
| Total assets | $224.7M | $274.4M |
| Deposits / shares | $196.1M | $238.4M |
| Capital ratio | 11.69% | 14.01% (stronger) |
| Problem loans | 0.36% | 0.33% (stronger) |
| Net charge-offs | 0.04% | 0.02% (stronger) |
| Return on assets | 0.87% | 1.86% (stronger) |
| Loans ÷ deposits | 93.7% | 56.4% (stronger) |
| Uninsured deposits | 9.3% | 4.9% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Penn State Federal Credit Union has the higher TellerScore (93 vs 73). On the 7 directional measures above (where higher or lower is clearly better), MCS Bank leads on 0 and Penn State Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.