Side-by-side · Q2 2026 data
First Commonwealth Federal Credit Union vs Aac Credit Union
Credit union
First Commonwealth Federal Credit Union
Lehigh Valley, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | First Commonwealth Federal Credit Union | Aac Credit Union |
|---|---|---|
| TellerScore | 56 | 90 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 49 | 88 (stronger) |
| Earnings | 47 | 78 (stronger) |
| Funding & liquidity | 74 | 85 (stronger) |
| Problem-loan coverage | 76 | 98 (stronger) |
| Peer percentile | 15th | 95th |
| Total assets | $1.5B | $212.4M |
| Deposits / shares | $1.3B | $158.1M |
| Capital ratio | 10.12% | 24.16% (stronger) |
| Problem loans | 1.53% | 0.36% (stronger) |
| Net charge-offs | 0.62% | 0.08% (stronger) |
| Return on assets | 0.68% | 1.46% (stronger) |
| Loans ÷ deposits | 86.1% | 75.1% (stronger) |
| Uninsured deposits | 7.7% | 5.3% (stronger) |
| Offices | 12 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.2% | 12.5% |
Aac Credit Union has the higher TellerScore (90 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First Commonwealth Federal Credit Union leads on 0 and Aac Credit Union on 7. 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.