Side-by-side · Q2 2026 data
First Area Federal Credit Union vs Pagoda Federal Credit Union
Credit union
First Area Federal Credit Union
Lewistown, Pennsylvania · Under $100 million in assets
Credit union
Pagoda Federal Credit Union
Reading, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | First Area Federal Credit Union | Pagoda Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 87 (stronger) |
| Capital cushion | 51 | 70 (stronger) |
| Loan quality | 62 | 90 (stronger) |
| Earnings | 76 | 93 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 42nd | 83rd |
| Total assets | $29.9M | $32.6M |
| Deposits / shares | $27.0M | $28.6M |
| Capital ratio | 10.12% | 11.97% (stronger) |
| Problem loans | 1.15% | 0.31% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.51% |
| Return on assets | 1.39% | 1.81% (stronger) |
| Loans ÷ deposits | 17.5% (stronger) | 34.0% |
| Uninsured deposits | 2.0% (stronger) | 4.1% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pagoda Federal Credit Union has the higher TellerScore (87 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Area Federal Credit Union leads on 3 and Pagoda Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.