Side-by-side · Q2 2026 data
Bethlehem 1st Federal Credit Union vs Aac Credit Union
Credit union
Bethlehem 1st Federal Credit Union
Bethlehem, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Bethlehem 1st Federal Credit Union | Aac Credit Union |
|---|---|---|
| TellerScore | 68 | 90 (stronger) |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 30 | 88 (stronger) |
| Earnings | 69 | 78 (stronger) |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 36th | 95th |
| Total assets | $75.7M | $212.4M |
| Deposits / shares | $67.0M | $158.1M |
| Capital ratio | 12.36% | 24.16% (stronger) |
| Problem loans | 2.11% | 0.36% (stronger) |
| Net charge-offs | 0.44% | 0.08% (stronger) |
| Return on assets | 1.21% | 1.46% (stronger) |
| Loans ÷ deposits | 34.2% (stronger) | 75.1% |
| Uninsured deposits | 7.4% | 5.3% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
Aac Credit Union has the higher TellerScore (90 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Bethlehem 1st Federal Credit Union leads on 1 and Aac Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.