Side-by-side · Q2 2026 data
First Service Federal Credit Union vs Stark Federal Credit Union
Metric by metric
| Measure | First Service Federal Credit Union | Stark Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 83 (stronger) |
| Capital cushion | 52 | 83 (stronger) |
| Loan quality | 96 (stronger) | 75 |
| Earnings | 47 | 77 (stronger) |
| Funding & liquidity | 90 | 96 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 57th | 83rd |
| Total assets | $236.3M | $217.7M |
| Deposits / shares | $210.8M | $188.5M |
| Capital ratio | 10.16% | 13.28% (stronger) |
| Problem loans | 0.12% (stronger) | 0.76% |
| Net charge-offs | 0.27% (stronger) | 0.45% |
| Return on assets | 0.68% | 1.43% (stronger) |
| Loans ÷ deposits | 70.7% | 64.5% (stronger) |
| Uninsured deposits | 10.8% | 2.0% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.4% | — |
Stark Federal Credit Union has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Service Federal Credit Union leads on 2 and Stark Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.