Side-by-side · Q2 2026 data
First Choice Federal Credit Union vs Associated School Employees Credit Union
Credit union
First Choice Federal Credit Union
New Castle, Pennsylvania · Under $100 million in assets
Credit union
Associated School Employees Credit Union
Youngstown, Ohio · $100 million – $1 billion
Metric by metric
| Measure | First Choice Federal Credit Union | Associated School Employees Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 70 |
| Capital cushion | 76 (stronger) | 53 |
| Loan quality | 74 | 90 (stronger) |
| Earnings | 87 (stronger) | 66 |
| Funding & liquidity | 94 (stronger) | 62 |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 70th | 51st |
| Total assets | $94.5M | $222.1M |
| Deposits / shares | $81.8M | $198.6M |
| Capital ratio | 12.57% (stronger) | 10.26% |
| Problem loans | 0.79% | 0.30% (stronger) |
| Net charge-offs | 0.32% | 0.19% (stronger) |
| Return on assets | 1.67% (stronger) | 1.14% |
| Loans ÷ deposits | 65.8% (stronger) | 98.5% |
| Uninsured deposits | 1.9% | 0.7% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
First Choice Federal Credit Union has the higher TellerScore (82 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Choice Federal Credit Union leads on 4 and Associated School Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.