Side-by-side · Q2 2026 data
Mercer County State Bank vs Grove City Area Federal Credit Union
Credit union
Grove City Area Federal Credit Union
Grove City, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Mercer County State Bank | Grove City Area Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 87 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 19 | 56 (stronger) |
| Earnings | 64 | 94 (stronger) |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 62 | 92 (stronger) |
| Peer percentile | 8th | 91st |
| Total assets | $611.3M | $152.8M |
| Deposits / shares | $530.3M | $129.4M |
| Capital ratio | 10.27% | 15.26% (stronger) |
| Problem loans | 2.42% | 1.33% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.36% |
| Return on assets | 1.09% | 1.84% (stronger) |
| Loans ÷ deposits | 75.7% | 56.2% (stronger) |
| Uninsured deposits | 20.1% | 3.2% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.1% | 14.8% |
Grove City Area Federal Credit Union has the higher TellerScore (87 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Mercer County State Bank leads on 1 and Grove City Area Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.