Side-by-side · Q2 2026 data
Apci Federal Credit Union vs Pagoda Federal Credit Union
Credit union
Pagoda Federal Credit Union
Reading, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Apci Federal Credit Union | Pagoda Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 87 (stronger) |
| Capital cushion | 41 | 70 (stronger) |
| Loan quality | 97 (stronger) | 90 |
| Earnings | 41 | 93 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 51st | 83rd |
| Total assets | $678.2M | $32.6M |
| Deposits / shares | $615.7M | $28.6M |
| Capital ratio | 9.11% | 11.97% (stronger) |
| Problem loans | 0.09% (stronger) | 0.31% |
| Net charge-offs | 0.03% (stronger) | 0.51% |
| Return on assets | 0.52% | 1.81% (stronger) |
| Loans ÷ deposits | 49.2% | 34.0% (stronger) |
| Uninsured deposits | 10.5% | 4.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.0% | — |
Pagoda Federal Credit Union has the higher TellerScore (87 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Apci Federal Credit Union leads on 2 and Pagoda Federal Credit Union on 5. 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.