Side-by-side · Q2 2026 data
Palco Federal Credit Union vs Horizon Federal Credit Union
Credit union
Horizon Federal Credit Union
Williamsport, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Palco Federal Credit Union | Horizon Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 41 |
| Capital cushion | 81 (stronger) | 40 |
| Loan quality | 93 (stronger) | 23 |
| Earnings | 71 (stronger) | 11 |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 99 (stronger) | 69 |
| Peer percentile | 91st | 2nd |
| Total assets | $109.3M | $152.4M |
| Deposits / shares | $97.1M | $137.6M |
| Capital ratio | 13.10% (stronger) | 9.01% |
| Problem loans | 0.20% (stronger) | 2.32% |
| Net charge-offs | 0.06% (stronger) | 0.70% |
| Return on assets | 1.28% (stronger) | -0.22% |
| Loans ÷ deposits | 49.1% (stronger) | 67.1% |
| Uninsured deposits | 4.8% | 1.2% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | 20.1% |
Palco Federal Credit Union has the higher TellerScore (87 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Palco Federal Credit Union leads on 6 and Horizon Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Muncy, PA