Side-by-side · Q2 2026 data
Mercer County State Bank vs Bessemer System Federal Credit Union
Credit union
Bessemer System Federal Credit Union
Greenville, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Mercer County State Bank | Bessemer System Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 74 (stronger) |
| Capital cushion | 53 | 67 (stronger) |
| Loan quality | 19 | 78 (stronger) |
| Earnings | 64 (stronger) | 49 |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 62 | 98 (stronger) |
| Peer percentile | 8th | 49th |
| Total assets | $611.3M | $47.3M |
| Deposits / shares | $530.3M | $41.7M |
| Capital ratio | 10.27% | 11.73% (stronger) |
| Problem loans | 2.42% | 0.65% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.31% |
| Return on assets | 1.09% (stronger) | 0.74% |
| Loans ÷ deposits | 75.7% | 17.5% (stronger) |
| Uninsured deposits | 20.1% | 0.2% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.1% | — |
Bessemer System Federal Credit Union has the higher TellerScore (74 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Mercer County State Bank leads on 2 and Bessemer System Federal Credit Union on 5. 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.