Side-by-side · Q2 2026 data
The Juniata Valley Bank vs Pennsylvania Central Federal Credit Union
Credit union
Pennsylvania Central Federal Credit Union
Harrisburg, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | The Juniata Valley Bank | Pennsylvania Central Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 70 |
| Capital cushion | 36 | 56 (stronger) |
| Loan quality | 98 (stronger) | 79 |
| Earnings | 66 (stronger) | 52 |
| Funding & liquidity | 76 | 93 (stronger) |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 43rd | 51st |
| Total assets | $917.9M | $138.9M |
| Deposits / shares | $805.8M | $123.9M |
| Capital ratio | 8.56% | 10.56% (stronger) |
| Problem loans | 0.05% (stronger) | 0.63% |
| Net charge-offs | 0.00% (stronger) | 0.58% |
| Return on assets | 1.16% (stronger) | 0.81% |
| Loans ÷ deposits | 78.0% | 67.5% (stronger) |
| Uninsured deposits | 20.4% | 5.8% (stronger) |
| Offices | 15 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.5% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Juniata Valley Bank leads on 3 and Pennsylvania Central Federal Credit Union on 3. 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
- Burnham, PA