Side-by-side · Q2 2026 data
Members 1st Federal Credit Union vs First Capital Federal Credit Union
Credit union
Members 1st Federal Credit Union
Enola, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | Members 1st Federal Credit Union | First Capital Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 70 |
| Loan quality | 76 | 93 (stronger) |
| Earnings | 100 (stronger) | 63 |
| Funding & liquidity | 64 | 94 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 96th | 80th |
| Total assets | $8.7B | $368.5M |
| Deposits / shares | $7.3B | $322.4M |
| Capital ratio | 15.13% (stronger) | 11.95% |
| Problem loans | 0.73% | 0.20% (stronger) |
| Net charge-offs | 0.58% | 0.12% (stronger) |
| Return on assets | 2.38% (stronger) | 1.07% |
| Loans ÷ deposits | 96.2% | 66.6% (stronger) |
| Uninsured deposits | 10.2% | 3.7% (stronger) |
| Offices | 31 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.7% |
Members 1st Federal Credit Union has the higher TellerScore (88 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Members 1st Federal Credit Union leads on 3 and First Capital Federal Credit Union on 4. 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.
Where both have branches
- York, PA
- Manchester, PA