Side-by-side · Q2 2026 data
The Ephrata National Bank vs Pennsylvania State Employees Credit Union
Credit union
Pennsylvania State Employees Credit Union
Harrisburg, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | The Ephrata National Bank | Pennsylvania State Employees Credit Union |
|---|---|---|
| TellerScore | 67 | 80 (stronger) |
| Capital cushion | 46 | 69 (stronger) |
| Loan quality | 82 (stronger) | 75 |
| Earnings | 61 | 99 (stronger) |
| Funding & liquidity | 78 (stronger) | 76 |
| Problem-loan coverage | 92 (stronger) | 90 |
| Peer percentile | 44th | 88th |
| Total assets | $2.4B | $9.7B |
| Deposits / shares | $2.0B | $8.5B |
| Capital ratio | 9.63% | 11.85% (stronger) |
| Problem loans | 0.54% (stronger) | 0.75% |
| Net charge-offs | 0.04% (stronger) | 0.84% |
| Return on assets | 1.01% | 1.98% (stronger) |
| Loans ÷ deposits | 81.8% (stronger) | 84.0% |
| Uninsured deposits | 12.1% | 10.9% (stronger) |
| Offices | 18 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | 15.6% |
Pennsylvania State Employees Credit Union has the higher TellerScore (80 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Ephrata National Bank leads on 3 and Pennsylvania State Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.