Side-by-side · Q2 2026 data
First Commonwealth Federal Credit Union vs Utilities Employees 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 | Utilities Employees Credit Union |
|---|---|---|
| TellerScore | 56 | 77 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 49 | 58 (stronger) |
| Earnings | 47 (stronger) | 42 |
| Funding & liquidity | 74 | 97 (stronger) |
| Problem-loan coverage | 76 | 91 (stronger) |
| Peer percentile | 15th | 82nd |
| Total assets | $1.5B | $1.5B |
| Deposits / shares | $1.3B | $1.3B |
| Capital ratio | 10.12% | 15.73% (stronger) |
| Problem loans | 1.53% | 1.26% (stronger) |
| Net charge-offs | 0.62% | 0.18% (stronger) |
| Return on assets | 0.68% (stronger) | 0.54% |
| Loans ÷ deposits | 86.1% | 63.5% (stronger) |
| Uninsured deposits | 7.7% | 5.8% (stronger) |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.2% | 20.2% |
Utilities Employees Credit Union has the higher TellerScore (77 vs 56). On the 7 directional measures above (where higher or lower is clearly better), First Commonwealth Federal Credit Union leads on 1 and Utilities Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.