Side-by-side · Q2 2026 data
Discovery Federal Credit Union vs Pagoda Federal Credit Union
Credit union
Discovery Federal Credit Union
Wyomissing, Pennsylvania · $100 million – $1 billion
Credit union
Pagoda Federal Credit Union
Reading, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Discovery Federal Credit Union | Pagoda Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 87 (stronger) |
| Capital cushion | 65 | 70 (stronger) |
| Loan quality | 84 | 90 (stronger) |
| Earnings | 47 | 93 (stronger) |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 57th | 83rd |
| Total assets | $193.2M | $32.6M |
| Deposits / shares | $171.1M | $28.6M |
| Capital ratio | 11.48% | 11.97% (stronger) |
| Problem loans | 0.48% | 0.31% (stronger) |
| Net charge-offs | 0.19% (stronger) | 0.51% |
| Return on assets | 0.68% | 1.81% (stronger) |
| Loans ÷ deposits | 77.1% | 34.0% (stronger) |
| Uninsured deposits | 4.0% (stronger) | 4.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | — |
Pagoda Federal Credit Union has the higher TellerScore (87 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Discovery 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.