Side-by-side · Q2 2026 data
Choice One Community Federal Credit Union vs Pheple Federal Credit Union
Credit union
Choice One Community Federal Credit Union
Plains Township, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Choice One Community Federal Credit Union | Pheple Federal Credit Union |
|---|---|---|
| TellerScore | 45 | 63 (stronger) |
| Capital cushion | 51 (stronger) | 46 |
| Loan quality | 5 | 81 (stronger) |
| Earnings | 34 | 50 (stronger) |
| Funding & liquidity | 97 (stronger) | 67 |
| Problem-loan coverage | 67 | 90 (stronger) |
| Peer percentile | 3rd | 29th |
| Total assets | $130.9M | $134.0M |
| Deposits / shares | $119.1M | $121.1M |
| Capital ratio | 10.10% (stronger) | 9.55% |
| Problem loans | 2.86% | 0.57% (stronger) |
| Net charge-offs | 0.38% | 0.33% (stronger) |
| Return on assets | 0.34% | 0.76% (stronger) |
| Loans ÷ deposits | 63.4% (stronger) | 93.4% |
| Uninsured deposits | 0.0% (stronger) | 1.2% |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.1% | 6.9% |
Pheple Federal Credit Union has the higher TellerScore (63 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Choice One Community Federal Credit Union leads on 3 and Pheple Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.