Side-by-side · Q2 2026 data
Mercer County State Bank vs First Choice Federal Credit Union
Credit union
First Choice Federal Credit Union
New Castle, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Mercer County State Bank | First Choice Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 82 (stronger) |
| Capital cushion | 53 | 76 (stronger) |
| Loan quality | 19 | 74 (stronger) |
| Earnings | 64 | 87 (stronger) |
| Funding & liquidity | 79 | 94 (stronger) |
| Problem-loan coverage | 62 | 93 (stronger) |
| Peer percentile | 8th | 70th |
| Total assets | $611.3M | $94.5M |
| Deposits / shares | $530.3M | $81.8M |
| Capital ratio | 10.27% | 12.57% (stronger) |
| Problem loans | 2.42% | 0.79% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.32% |
| Return on assets | 1.09% | 1.67% (stronger) |
| Loans ÷ deposits | 75.7% | 65.8% (stronger) |
| Uninsured deposits | 20.1% | 1.9% (stronger) |
| Offices | 11 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.1% | — |
First Choice Federal Credit Union has the higher TellerScore (82 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Mercer County State Bank leads on 1 and First Choice Federal Credit Union on 6. 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.