Side-by-side · Q2 2026 data
The Juniata Valley Bank vs P C Federal Credit Union
Credit union
P C Federal Credit Union
Port Allegany, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | The Juniata Valley Bank | P C Federal Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 47 |
| Capital cushion | 36 | 83 (stronger) |
| Loan quality | 98 (stronger) | 0 |
| Earnings | 66 (stronger) | 34 |
| Funding & liquidity | 76 (stronger) | 69 |
| Problem-loan coverage | 99 (stronger) | 51 |
| Peer percentile | 43rd | 7th |
| Total assets | $917.9M | $13.5M |
| Deposits / shares | $805.8M | $11.6M |
| Capital ratio | 8.56% | 13.29% (stronger) |
| Problem loans | 0.05% (stronger) | 4.15% |
| Net charge-offs | 0.00% (stronger) | 0.18% |
| Return on assets | 1.16% (stronger) | 0.36% |
| Loans ÷ deposits | 78.0% (stronger) | 91.3% |
| Uninsured deposits | 20.4% | 2.0% (stronger) |
| Offices | 15 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.5% | — |
The Juniata Valley Bank has the higher TellerScore (70 vs 47). On the 7 directional measures above (where higher or lower is clearly better), The Juniata Valley Bank leads on 5 and P C Federal Credit Union on 2. 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.
Where both have branches
- Port Allegany, PA