Side-by-side · Q2 2026 data
Members 1st Federal Credit Union vs Americhoice Federal Credit Union
Credit union
Members 1st Federal Credit Union
Enola, Pennsylvania · $1 billion – $10 billion
Credit union
Americhoice Federal Credit Union
Mechanicsburg, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Members 1st Federal Credit Union | Americhoice Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 76 (stronger) | 43 |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 64 | 91 (stronger) |
| Problem-loan coverage | 92 (stronger) | 83 |
| Peer percentile | 96th | 37th |
| Total assets | $8.7B | $240.4M |
| Deposits / shares | $7.3B | $210.5M |
| Capital ratio | 15.13% (stronger) | 12.39% |
| Problem loans | 0.73% (stronger) | 1.72% |
| Net charge-offs | 0.58% | 0.19% (stronger) |
| Return on assets | 2.38% (stronger) | 0.89% |
| Loans ÷ deposits | 96.2% | 68.9% (stronger) |
| Uninsured deposits | 10.2% | 7.1% (stronger) |
| Offices | 31 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.4% |
Members 1st Federal Credit Union has the higher TellerScore (88 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Members 1st Federal Credit Union leads on 4 and Americhoice 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.