Side-by-side · Q2 2026 data
Multi-Schools Federal Credit Union vs Freedom United Federal Credit Union
Credit union
Multi-Schools Federal Credit Union
Wampum, Pennsylvania · Under $100 million in assets
Credit union
Freedom United Federal Credit Union
Rochester, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Multi-Schools Federal Credit Union | Freedom United Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 93 (stronger) |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 64 | 72 (stronger) |
| Earnings | 6 | 100 (stronger) |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 26th | 94th |
| Total assets | $4.9M | $94.2M |
| Deposits / shares | $4.2M | $76.2M |
| Capital ratio | 13.27% | 18.97% (stronger) |
| Problem loans | 1.09% | 0.84% (stronger) |
| Net charge-offs | 1.47% | 0.13% (stronger) |
| Return on assets | -0.36% | 2.31% (stronger) |
| Loans ÷ deposits | 83.2% | 32.9% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 0.9% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freedom United Federal Credit Union has the higher TellerScore (93 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Multi-Schools Federal Credit Union leads on 1 and Freedom United Federal Credit Union on 6. 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.