Side-by-side · Q2 2026 data
Derry Area Federal Credit Union vs Your Choice Federal Credit Union
Credit union
Derry Area Federal Credit Union
Derry, Pennsylvania · Under $100 million in assets
Credit union
Your Choice Federal Credit Union
Altoona, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Derry Area Federal Credit Union | Your Choice Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 85 (stronger) |
| Capital cushion | 65 | 76 (stronger) |
| Loan quality | 78 | 97 (stronger) |
| Earnings | 26 | 65 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 38th | 77th |
| Total assets | $13.9M | $14.0M |
| Deposits / shares | $12.2M | $12.2M |
| Capital ratio | 11.52% | 12.55% (stronger) |
| Problem loans | 0.67% | 0.09% (stronger) |
| Net charge-offs | 0.03% | -0.07% (stronger) |
| Return on assets | 0.16% | 1.13% (stronger) |
| Loans ÷ deposits | 45.0% | 25.5% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 0.5% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Your Choice Federal Credit Union has the higher TellerScore (85 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Derry Area Federal Credit Union leads on 1 and Your Choice Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.