Side-by-side · Q2 2026 data
Orrstown Bank vs First Capital Federal Credit Union
Metric by metric
| Measure | Orrstown Bank | First Capital Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 81 (stronger) |
| Capital cushion | 50 | 70 (stronger) |
| Loan quality | 80 | 93 (stronger) |
| Earnings | 88 (stronger) | 63 |
| Funding & liquidity | 57 | 94 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 58th | 80th |
| Total assets | $5.6B | $368.5M |
| Deposits / shares | $4.6B | $322.4M |
| Capital ratio | 9.97% | 11.95% (stronger) |
| Problem loans | 0.60% | 0.20% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.12% |
| Return on assets | 1.69% (stronger) | 1.07% |
| Loans ÷ deposits | 88.0% | 66.6% (stronger) |
| Uninsured deposits | 29.1% | 3.7% (stronger) |
| Offices | 38 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.0% | 18.7% |
First Capital Federal Credit Union has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Orrstown Bank leads on 2 and First Capital 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.