Side-by-side · Q2 2026 data
Members 1st Federal Credit Union vs Pennsylvania State Employees Credit Union
Credit union
Members 1st Federal Credit Union
Enola, Pennsylvania · $1 billion – $10 billion
Credit union
Pennsylvania State Employees Credit Union
Harrisburg, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | Members 1st Federal Credit Union | Pennsylvania State Employees Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 76 (stronger) | 75 |
| Earnings | 100 (stronger) | 99 |
| Funding & liquidity | 64 | 76 (stronger) |
| Problem-loan coverage | 92 (stronger) | 90 |
| Peer percentile | 96th | 88th |
| Total assets | $8.7B | $9.7B |
| Deposits / shares | $7.3B | $8.5B |
| Capital ratio | 15.13% (stronger) | 11.85% |
| Problem loans | 0.73% (stronger) | 0.75% |
| Net charge-offs | 0.58% (stronger) | 0.84% |
| Return on assets | 2.38% (stronger) | 1.98% |
| Loans ÷ deposits | 96.2% | 84.0% (stronger) |
| Uninsured deposits | 10.2% (stronger) | 10.9% |
| Offices | 31 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.6% |
Members 1st Federal Credit Union has the higher TellerScore (88 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Members 1st Federal Credit Union leads on 6 and Pennsylvania State Employees Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Harrisburg, PA
- Lancaster, PA
- Shippensburg, PA