Side-by-side · Q2 2026 data
Freedom United Federal Credit Union vs First Choice Federal Credit Union
Credit union
Freedom United Federal Credit Union
Rochester, Pennsylvania · Under $100 million in assets
Credit union
First Choice Federal Credit Union
New Castle, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Freedom United Federal Credit Union | First Choice Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 82 |
| Capital cushion | 100 (stronger) | 76 |
| Loan quality | 72 | 74 (stronger) |
| Earnings | 100 (stronger) | 87 |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 94th | 70th |
| Total assets | $94.2M | $94.5M |
| Deposits / shares | $76.2M | $81.8M |
| Capital ratio | 18.97% (stronger) | 12.57% |
| Problem loans | 0.84% | 0.79% (stronger) |
| Net charge-offs | 0.13% (stronger) | 0.32% |
| Return on assets | 2.31% (stronger) | 1.67% |
| Loans ÷ deposits | 32.9% (stronger) | 65.8% |
| Uninsured deposits | 0.9% (stronger) | 1.9% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freedom United Federal Credit Union has the higher TellerScore (93 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Freedom United Federal Credit Union leads on 6 and First Choice Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.