Side-by-side · Q2 2026 data
Pennian Bank vs First Area Federal Credit Union
Credit union
First Area Federal Credit Union
Lewistown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Pennian Bank | First Area Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 71 (stronger) |
| Capital cushion | 42 | 51 (stronger) |
| Loan quality | 64 (stronger) | 62 |
| Earnings | 36 | 76 (stronger) |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 82 | 96 (stronger) |
| Peer percentile | 11th | 42nd |
| Total assets | $667.9M | $29.9M |
| Deposits / shares | $578.9M | $27.0M |
| Capital ratio | 9.24% | 10.12% (stronger) |
| Problem loans | 1.09% (stronger) | 1.15% |
| Net charge-offs | 0.01% (stronger) | 0.10% |
| Return on assets | 0.39% | 1.39% (stronger) |
| Loans ÷ deposits | 76.3% | 17.5% (stronger) |
| Uninsured deposits | 21.8% | 2.0% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | — |
First Area Federal Credit Union has the higher TellerScore (71 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Pennian Bank leads on 2 and First 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.