Side-by-side · Q2 2026 data
Palco Federal Credit Union vs Montoursville Area Federal Credit Union
Credit union
Montoursville Area Federal Credit Union
Montoursville, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Palco Federal Credit Union | Montoursville Area Federal Credit Union |
|---|---|---|
| TellerScore | 87 | 91 (stronger) |
| Capital cushion | 81 | 92 (stronger) |
| Loan quality | 93 | 99 (stronger) |
| Earnings | 71 (stronger) | 68 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 91st | 90th |
| Total assets | $109.3M | $6.2M |
| Deposits / shares | $97.1M | $5.3M |
| Capital ratio | 13.10% | 14.19% (stronger) |
| Problem loans | 0.20% | 0.03% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.40% |
| Return on assets | 1.28% (stronger) | 1.21% |
| Loans ÷ deposits | 49.1% | 32.9% (stronger) |
| Uninsured deposits | 4.8% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | — |
Montoursville Area Federal Credit Union has the higher TellerScore (91 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Palco Federal Credit Union leads on 2 and Montoursville Area 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.