Side-by-side · Q2 2026 data
MCS Bank vs Pennsylvania Central Federal Credit Union
Credit union
Pennsylvania Central Federal Credit Union
Harrisburg, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | MCS Bank | Pennsylvania Central Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 70 |
| Capital cushion | 67 (stronger) | 56 |
| Loan quality | 88 (stronger) | 79 |
| Earnings | 55 (stronger) | 52 |
| Funding & liquidity | 67 | 93 (stronger) |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 53rd | 51st |
| Total assets | $224.7M | $138.9M |
| Deposits / shares | $196.1M | $123.9M |
| Capital ratio | 11.69% (stronger) | 10.56% |
| Problem loans | 0.36% (stronger) | 0.63% |
| Net charge-offs | 0.04% (stronger) | 0.58% |
| Return on assets | 0.87% (stronger) | 0.81% |
| Loans ÷ deposits | 93.7% | 67.5% (stronger) |
| Uninsured deposits | 9.3% | 5.8% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
MCS Bank has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), MCS Bank leads on 5 and Pennsylvania Central Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Burnham, PA