Side-by-side · Q2 2026 data
The Juniata Valley Bank vs Penn State Federal Credit Union
Credit union
Penn State Federal Credit Union
Bellefonte, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | The Juniata Valley Bank | Penn State Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 93 (stronger) |
| Capital cushion | 36 | 90 (stronger) |
| Loan quality | 98 (stronger) | 89 |
| Earnings | 66 | 94 (stronger) |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 43rd | 97th |
| Total assets | $917.9M | $274.4M |
| Deposits / shares | $805.8M | $238.4M |
| Capital ratio | 8.56% | 14.01% (stronger) |
| Problem loans | 0.05% (stronger) | 0.33% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.16% | 1.86% (stronger) |
| Loans ÷ deposits | 78.0% | 56.4% (stronger) |
| Uninsured deposits | 20.4% | 4.9% (stronger) |
| Offices | 15 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.5% | — |
Penn State Federal Credit Union has the higher TellerScore (93 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Juniata Valley Bank leads on 2 and Penn State Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.