Side-by-side · Q2 2026 data
Americhoice Federal Credit Union vs First Capital Federal Credit Union
Credit union
Americhoice Federal Credit Union
Mechanicsburg, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Americhoice Federal Credit Union | First Capital Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 81 (stronger) |
| Capital cushion | 74 (stronger) | 70 |
| Loan quality | 43 | 93 (stronger) |
| Earnings | 56 | 63 (stronger) |
| Funding & liquidity | 91 | 94 (stronger) |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 37th | 80th |
| Total assets | $240.4M | $368.5M |
| Deposits / shares | $210.5M | $322.4M |
| Capital ratio | 12.39% (stronger) | 11.95% |
| Problem loans | 1.72% | 0.20% (stronger) |
| Net charge-offs | 0.19% | 0.12% (stronger) |
| Return on assets | 0.89% | 1.07% (stronger) |
| Loans ÷ deposits | 68.9% | 66.6% (stronger) |
| Uninsured deposits | 7.1% | 3.7% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | 18.7% |
First Capital Federal Credit Union has the higher TellerScore (81 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Americhoice Federal Credit Union leads on 1 and First Capital Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.