Side-by-side · Q2 2026 data
Everence Federal Credit Union vs First Capital Federal Credit Union
Credit union
Everence Federal Credit Union
Lancaster, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Everence Federal Credit Union | First Capital Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 81 (stronger) |
| Capital cushion | 37 | 70 (stronger) |
| Loan quality | 82 | 93 (stronger) |
| Earnings | 63 | 63 |
| Funding & liquidity | 73 | 94 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 31st | 80th |
| Total assets | $449.8M | $368.5M |
| Deposits / shares | $413.1M | $322.4M |
| Capital ratio | 8.69% | 11.95% (stronger) |
| Problem loans | 0.54% | 0.20% (stronger) |
| Net charge-offs | 0.18% | 0.12% (stronger) |
| Return on assets | 1.07% | 1.07% (stronger) |
| Loans ÷ deposits | 87.4% | 66.6% (stronger) |
| Uninsured deposits | 5.1% | 3.7% (stronger) |
| Offices | 11 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.3% | 18.7% |
First Capital Federal Credit Union has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Everence Federal Credit Union leads on 0 and First Capital Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.