Side-by-side · Q2 2026 data
Mercer County State Bank vs Pennstar Federal Credit Union
Credit union
Pennstar Federal Credit Union
Hermitage, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Mercer County State Bank | Pennstar Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 81 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 19 | 66 (stronger) |
| Earnings | 64 (stronger) | 47 |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 62 | 96 (stronger) |
| Peer percentile | 8th | 68th |
| Total assets | $611.3M | $58.7M |
| Deposits / shares | $530.3M | $49.3M |
| Capital ratio | 10.27% | 15.59% (stronger) |
| Problem loans | 2.42% | 1.01% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.39% |
| Return on assets | 1.09% (stronger) | 0.67% |
| Loans ÷ deposits | 75.7% | 36.4% (stronger) |
| Uninsured deposits | 20.1% | 1.1% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.1% | — |
Pennstar Federal Credit Union has the higher TellerScore (81 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Mercer County State Bank leads on 2 and Pennstar 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.
Where both have branches
- Mercer, PA
- Hermitage, PA