Side-by-side · Q2 2026 data
Miami Postal Service Credit Union vs First Choice Credit Union
Metric by metric
| Measure | Miami Postal Service Credit Union | First Choice Credit Union |
|---|---|---|
| TellerScore | 64 | 68 (stronger) |
| Capital cushion | 43 | 54 (stronger) |
| Loan quality | 91 (stronger) | 80 |
| Earnings | 27 | 36 (stronger) |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 31st | 45th |
| Total assets | $184.3M | $161.3M |
| Deposits / shares | $164.7M | $146.5M |
| Capital ratio | 9.25% | 10.44% (stronger) |
| Problem loans | 0.26% (stronger) | 0.60% |
| Net charge-offs | 1.05% | 0.33% (stronger) |
| Return on assets | 0.16% | 0.41% (stronger) |
| Loans ÷ deposits | 70.9% | 53.7% (stronger) |
| Uninsured deposits | 9.3% | 7.0% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Choice Credit Union has the higher TellerScore (68 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Miami Postal Service Credit Union leads on 1 and First Choice Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.