Side-by-side · Q2 2026 data
Pennsylvania Central Federal Credit Union vs Horizon Federal Credit Union
Credit union
Pennsylvania Central Federal Credit Union
Harrisburg, Pennsylvania · $100 million – $1 billion
Credit union
Horizon Federal Credit Union
Williamsport, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Pennsylvania Central Federal Credit Union | Horizon Federal Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 41 |
| Capital cushion | 56 (stronger) | 40 |
| Loan quality | 79 (stronger) | 23 |
| Earnings | 52 (stronger) | 11 |
| Funding & liquidity | 93 | 93 |
| Problem-loan coverage | 93 (stronger) | 69 |
| Peer percentile | 51st | 2nd |
| Total assets | $138.9M | $152.4M |
| Deposits / shares | $123.9M | $137.6M |
| Capital ratio | 10.56% (stronger) | 9.01% |
| Problem loans | 0.63% (stronger) | 2.32% |
| Net charge-offs | 0.58% (stronger) | 0.70% |
| Return on assets | 0.81% (stronger) | -0.22% |
| Loans ÷ deposits | 67.5% | 67.1% (stronger) |
| Uninsured deposits | 5.8% | 1.2% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.1% |
Pennsylvania Central Federal Credit Union has the higher TellerScore (70 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Pennsylvania Central Federal Credit Union leads on 5 and Horizon Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.