Side-by-side · Q2 2026 data
Pennsylvania Central Federal Credit Union vs Members 1st Federal Credit Union
Credit union
Pennsylvania Central Federal Credit Union
Harrisburg, Pennsylvania · $100 million – $1 billion
Credit union
Members 1st Federal Credit Union
Enola, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | Pennsylvania Central Federal Credit Union | Members 1st Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 88 (stronger) |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 79 (stronger) | 76 |
| Earnings | 52 | 100 (stronger) |
| Funding & liquidity | 93 (stronger) | 64 |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 51st | 96th |
| Total assets | $138.9M | $8.7B |
| Deposits / shares | $123.9M | $7.3B |
| Capital ratio | 10.56% | 15.13% (stronger) |
| Problem loans | 0.63% (stronger) | 0.73% |
| Net charge-offs | 0.58% | 0.58% (stronger) |
| Return on assets | 0.81% | 2.38% (stronger) |
| Loans ÷ deposits | 67.5% (stronger) | 96.2% |
| Uninsured deposits | 5.8% (stronger) | 10.2% |
| Offices | 6 | 31 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members 1st Federal Credit Union has the higher TellerScore (88 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Pennsylvania Central Federal Credit Union leads on 3 and Members 1st Federal Credit Union on 4. 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.