Side-by-side · Q2 2026 data
Direct Federal Credit Union vs Polish National Credit Union
Metric by metric
| Measure | Direct Federal Credit Union | Polish National Credit Union |
|---|---|---|
| TellerScore | 64 | 76 (stronger) |
| Capital cushion | 64 | 86 (stronger) |
| Loan quality | 88 | 94 (stronger) |
| Earnings | 27 | 41 (stronger) |
| Funding & liquidity | 50 | 56 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 31st | 68th |
| Total assets | $794.7M | $776.9M |
| Deposits / shares | $622.0M | $614.5M |
| Capital ratio | 11.36% | 13.58% (stronger) |
| Problem loans | 0.36% | 0.17% (stronger) |
| Net charge-offs | 0.15% | -0.04% (stronger) |
| Return on assets | 0.18% | 0.52% (stronger) |
| Loans ÷ deposits | 114.1% | 104.4% (stronger) |
| Uninsured deposits | 10.5% | 8.3% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.3% | 10.0% |
Polish National Credit Union has the higher TellerScore (76 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Direct Federal Credit Union leads on 0 and Polish National Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.