Side-by-side · Q2 2026 data
America First Federal Credit Union vs P & S Credit Union
Metric by metric
| Measure | America First Federal Credit Union | P & S Credit Union |
|---|---|---|
| TellerScore | 71 | 80 (stronger) |
| Capital cushion | 68 | 71 (stronger) |
| Loan quality | 52 | 99 (stronger) |
| Earnings | 89 (stronger) | 55 |
| Funding & liquidity | 79 | 88 (stronger) |
| Problem-loan coverage | 80 | 100 (stronger) |
| Peer percentile | 67th | 65th |
| Total assets | $26.0B | $24.9M |
| Deposits / shares | $22.7B | $21.6M |
| Capital ratio | 11.80% | 12.09% (stronger) |
| Problem loans | 1.45% | 0.02% (stronger) |
| Net charge-offs | 0.90% | 0.20% (stronger) |
| Return on assets | 1.72% (stronger) | 0.87% |
| Loans ÷ deposits | 81.2% | 72.4% (stronger) |
| Uninsured deposits | 13.8% | 9.1% (stronger) |
| Offices | 94 | 3 |
| CFPB complaints (3 yrs) | 530 | — |
| Complaints per $1B deposits | 23.3 | — |
| Mortgage denial rate (HMDA) | 22.5% | — |
P & S Credit Union has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), America First Federal Credit Union leads on 1 and P & S Credit Union on 6. 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.