Side-by-side · Q2 2026 data
Pennsylvania Central Federal Credit Union vs First Area Federal Credit Union
Credit union
Pennsylvania Central Federal Credit Union
Harrisburg, Pennsylvania · $100 million – $1 billion
Credit union
First Area Federal Credit Union
Lewistown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Pennsylvania Central Federal Credit Union | First Area Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 71 (stronger) |
| Capital cushion | 56 (stronger) | 51 |
| Loan quality | 79 (stronger) | 62 |
| Earnings | 52 | 76 (stronger) |
| Funding & liquidity | 93 | 100 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 51st | 42nd |
| Total assets | $138.9M | $29.9M |
| Deposits / shares | $123.9M | $27.0M |
| Capital ratio | 10.56% (stronger) | 10.12% |
| Problem loans | 0.63% (stronger) | 1.15% |
| Net charge-offs | 0.58% | 0.10% (stronger) |
| Return on assets | 0.81% | 1.39% (stronger) |
| Loans ÷ deposits | 67.5% | 17.5% (stronger) |
| Uninsured deposits | 5.8% | 2.0% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Area Federal Credit Union has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Pennsylvania Central Federal Credit Union leads on 2 and First Area Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.