Side-by-side · Q2 2026 data
Members 1st Federal Credit Union vs Pagoda Federal Credit Union
Credit union
Members 1st Federal Credit Union
Enola, Pennsylvania · $1 billion – $10 billion
Credit union
Pagoda Federal Credit Union
Reading, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Members 1st Federal Credit Union | Pagoda Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 87 |
| Capital cushion | 100 (stronger) | 70 |
| Loan quality | 76 | 90 (stronger) |
| Earnings | 100 (stronger) | 93 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 96th | 83rd |
| Total assets | $8.7B | $32.6M |
| Deposits / shares | $7.3B | $28.6M |
| Capital ratio | 15.13% (stronger) | 11.97% |
| Problem loans | 0.73% | 0.31% (stronger) |
| Net charge-offs | 0.58% | 0.51% (stronger) |
| Return on assets | 2.38% (stronger) | 1.81% |
| Loans ÷ deposits | 96.2% | 34.0% (stronger) |
| Uninsured deposits | 10.2% | 4.1% (stronger) |
| Offices | 31 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members 1st Federal Credit Union has the higher TellerScore (88 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Members 1st Federal Credit Union leads on 3 and Pagoda 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.