Side-by-side · Q2 2026 data
Penn State Federal Credit Union vs First Area Federal Credit Union
Credit union
Penn State Federal Credit Union
Bellefonte, Pennsylvania · $100 million – $1 billion
Credit union
First Area Federal Credit Union
Lewistown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Penn State Federal Credit Union | First Area Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 71 |
| Capital cushion | 90 (stronger) | 51 |
| Loan quality | 89 (stronger) | 62 |
| Earnings | 94 (stronger) | 76 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 97th | 42nd |
| Total assets | $274.4M | $29.9M |
| Deposits / shares | $238.4M | $27.0M |
| Capital ratio | 14.01% (stronger) | 10.12% |
| Problem loans | 0.33% (stronger) | 1.15% |
| Net charge-offs | 0.02% (stronger) | 0.10% |
| Return on assets | 1.86% (stronger) | 1.39% |
| Loans ÷ deposits | 56.4% | 17.5% (stronger) |
| Uninsured deposits | 4.9% | 2.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Penn State Federal Credit Union has the higher TellerScore (93 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Penn State Federal Credit Union leads on 5 and First Area Federal Credit Union on 2. 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.