Side-by-side · Q2 2026 data
First National Bank of Pennsylvania vs First Choice Federal Credit Union
Bank
First National Bank of Pennsylvania
Greenville, Pennsylvania · $10 billion – $100 billion
Credit union
First Choice Federal Credit Union
New Castle, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | First National Bank of Pennsylvania | First Choice Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 82 (stronger) |
| Capital cushion | 44 | 76 (stronger) |
| Loan quality | 87 (stronger) | 74 |
| Earnings | 68 | 87 (stronger) |
| Funding & liquidity | 41 | 94 (stronger) |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 46th | 70th |
| Total assets | $50.8B | $94.5M |
| Deposits / shares | $39.1B | $81.8M |
| Capital ratio | 9.43% | 12.57% (stronger) |
| Problem loans | 0.38% (stronger) | 0.79% |
| Net charge-offs | 0.19% (stronger) | 0.32% |
| Return on assets | 1.19% | 1.67% (stronger) |
| Loans ÷ deposits | 91.0% | 65.8% (stronger) |
| Uninsured deposits | 40.2% | 1.9% (stronger) |
| Offices | 349 | 5 |
| CFPB complaints (3 yrs) | 320 | — |
| Complaints per $1B deposits | 8.2 | — |
| Mortgage denial rate (HMDA) | 26.6% | — |
First Choice Federal Credit Union has the higher TellerScore (82 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Pennsylvania leads on 2 and First Choice Federal Credit Union on 5. 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.