Side-by-side · Q2 2026 data
McDonald Community Federal Credit Union vs First Choice Federal Credit Union
Credit union
McDonald Community Federal Credit Union
Mc Donald, Ohio · Under $100 million in assets
Credit union
First Choice Federal Credit Union
New Castle, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | McDonald Community Federal Credit Union | First Choice Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 82 (stronger) |
| Capital cushion | 75 | 76 (stronger) |
| Loan quality | 100 (stronger) | 74 |
| Earnings | 32 | 87 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 62nd | 70th |
| Total assets | $4.4M | $94.5M |
| Deposits / shares | $3.9M | $81.8M |
| Capital ratio | 12.47% | 12.57% (stronger) |
| Problem loans | 0.00% (stronger) | 0.79% |
| Net charge-offs | 0.00% (stronger) | 0.32% |
| Return on assets | 0.29% | 1.67% (stronger) |
| Loans ÷ deposits | 13.4% (stronger) | 65.8% |
| Uninsured deposits | 0.0% (stronger) | 1.9% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Choice Federal Credit Union has the higher TellerScore (82 vs 79). On the 7 directional measures above (where higher or lower is clearly better), McDonald Community Federal Credit Union leads on 4 and First Choice Federal Credit Union on 3. 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.