Side-by-side · Q2 2026 data
Kinzua Federal Credit Union vs Armstrong Co. Federal Emp. Federal Credit Union
Credit union
Kinzua Federal Credit Union
Warren, Pennsylvania · Under $100 million in assets
Credit union
Armstrong Co. Federal Emp. Federal Credit Union
Kittanning, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Kinzua Federal Credit Union | Armstrong Co. Federal Emp. Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 84 |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 96 (stronger) | 79 |
| Earnings | 49 (stronger) | 47 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 85th | 75th |
| Total assets | $16.7M | $17.6M |
| Deposits / shares | $14.2M | $14.9M |
| Capital ratio | 14.73% | 15.45% (stronger) |
| Problem loans | 0.11% (stronger) | 0.64% |
| Net charge-offs | -0.34% (stronger) | 0.53% |
| Return on assets | 0.73% (stronger) | 0.68% |
| Loans ÷ deposits | 30.3% | 22.6% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.0% |
| Offices | 0 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kinzua Federal Credit Union has the higher TellerScore (88 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Kinzua Federal Credit Union leads on 5 and Armstrong Co. Federal Emp. Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.