Side-by-side · Q2 2026 data
First Commonwealth Federal Credit Union vs Pagoda Federal Credit Union
Credit union
First Commonwealth Federal Credit Union
Lehigh Valley, Pennsylvania · $1 billion – $10 billion
Credit union
Pagoda Federal Credit Union
Reading, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | First Commonwealth Federal Credit Union | Pagoda Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 87 (stronger) |
| Capital cushion | 51 | 70 (stronger) |
| Loan quality | 49 | 90 (stronger) |
| Earnings | 47 | 93 (stronger) |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 76 | 98 (stronger) |
| Peer percentile | 15th | 83rd |
| Total assets | $1.5B | $32.6M |
| Deposits / shares | $1.3B | $28.6M |
| Capital ratio | 10.12% | 11.97% (stronger) |
| Problem loans | 1.53% | 0.31% (stronger) |
| Net charge-offs | 0.62% | 0.51% (stronger) |
| Return on assets | 0.68% | 1.81% (stronger) |
| Loans ÷ deposits | 86.1% | 34.0% (stronger) |
| Uninsured deposits | 7.7% | 4.1% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.2% | — |
Pagoda Federal Credit Union has the higher TellerScore (87 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First Commonwealth Federal Credit Union leads on 0 and Pagoda Federal 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.