Side-by-side · Q2 2026 data
Usx Federal Credit Union vs Penn State Federal Credit Union
Credit union
Penn State Federal Credit Union
Bellefonte, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Usx Federal Credit Union | Penn State Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 93 (stronger) |
| Capital cushion | 75 | 90 (stronger) |
| Loan quality | 94 (stronger) | 89 |
| Earnings | 37 | 94 (stronger) |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 74th | 97th |
| Total assets | $258.1M | $274.4M |
| Deposits / shares | $225.9M | $238.4M |
| Capital ratio | 12.54% | 14.01% (stronger) |
| Problem loans | 0.18% (stronger) | 0.33% |
| Net charge-offs | 0.27% | 0.02% (stronger) |
| Return on assets | 0.43% | 1.86% (stronger) |
| Loans ÷ deposits | 63.8% | 56.4% (stronger) |
| Uninsured deposits | 2.9% (stronger) | 4.9% |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.4% | — |
Penn State Federal Credit Union has the higher TellerScore (93 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Usx Federal Credit Union 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.