Side-by-side · Q2 2026 data
First Choice Federal Credit Union vs Pennstar Federal Credit Union
Credit union
First Choice Federal Credit Union
New Castle, Pennsylvania · Under $100 million in assets
Credit union
Pennstar Federal Credit Union
Hermitage, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | First Choice Federal Credit Union | Pennstar Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 81 |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 74 (stronger) | 66 |
| Earnings | 87 (stronger) | 47 |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 70th | 68th |
| Total assets | $94.5M | $58.7M |
| Deposits / shares | $81.8M | $49.3M |
| Capital ratio | 12.57% | 15.59% (stronger) |
| Problem loans | 0.79% (stronger) | 1.01% |
| Net charge-offs | 0.32% (stronger) | 0.39% |
| Return on assets | 1.67% (stronger) | 0.67% |
| Loans ÷ deposits | 65.8% | 36.4% (stronger) |
| Uninsured deposits | 1.9% | 1.1% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Choice Federal Credit Union has the higher TellerScore (82 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First Choice Federal Credit Union leads on 4 and Pennstar Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.