Side-by-side · Q2 2026 data
Investment Savings Bank vs Your Choice Federal Credit Union
Credit union
Your Choice Federal Credit Union
Altoona, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Investment Savings Bank | Your Choice Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 85 |
| Capital cushion | 100 (stronger) | 76 |
| Loan quality | 96 | 97 (stronger) |
| Earnings | 36 | 65 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 90th | 77th |
| Total assets | $105.2M | $14.0M |
| Deposits / shares | $75.5M | $12.2M |
| Capital ratio | 21.72% (stronger) | 12.55% |
| Problem loans | 0.13% | 0.09% (stronger) |
| Net charge-offs | 0.05% | -0.07% (stronger) |
| Return on assets | 0.41% | 1.13% (stronger) |
| Loans ÷ deposits | 58.6% | 25.5% (stronger) |
| Uninsured deposits | 4.4% | 0.5% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.6% | — |
Investment Savings Bank has the higher TellerScore (86 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Investment Savings Bank leads on 2 and Your 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.