Side-by-side · Q2 2026 data
Penlanco Federal Credit Union vs Paac Transit Division Federal Credit Union
Credit union
Penlanco Federal Credit Union
Lancaster, Pennsylvania · Under $100 million in assets
Credit union
Paac Transit Division Federal Credit Union
Pittsburgh, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Penlanco Federal Credit Union | Paac Transit Division Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 76 |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 95 (stronger) | 32 |
| Earnings | 37 | 65 (stronger) |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 57th | 54th |
| Total assets | $26.9M | $29.2M |
| Deposits / shares | $23.5M | $24.0M |
| Capital ratio | 12.49% | 17.60% (stronger) |
| Problem loans | 0.15% (stronger) | 2.04% |
| Net charge-offs | 0.00% (stronger) | 1.71% |
| Return on assets | 0.41% | 1.12% (stronger) |
| Loans ÷ deposits | 73.5% | 25.7% (stronger) |
| Uninsured deposits | 7.4% | 1.6% (stronger) |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Penlanco Federal Credit Union has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Penlanco Federal Credit Union leads on 3 and Paac Transit Division Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.