Side-by-side · Q2 2026 data
Paac Transit Division Federal Credit Union vs First Area Federal Credit Union
Credit union
Paac Transit Division Federal Credit Union
Pittsburgh, Pennsylvania · Under $100 million in assets
Credit union
First Area Federal Credit Union
Lewistown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Paac Transit Division Federal Credit Union | First Area Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 32 | 62 (stronger) |
| Earnings | 65 | 76 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 54th | 42nd |
| Total assets | $29.2M | $29.9M |
| Deposits / shares | $24.0M | $27.0M |
| Capital ratio | 17.60% (stronger) | 10.12% |
| Problem loans | 2.04% | 1.15% (stronger) |
| Net charge-offs | 1.71% | 0.10% (stronger) |
| Return on assets | 1.12% | 1.39% (stronger) |
| Loans ÷ deposits | 25.7% | 17.5% (stronger) |
| Uninsured deposits | 1.6% (stronger) | 2.0% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Paac Transit Division Federal Credit Union has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Paac Transit Division Federal Credit Union leads on 3 and First Area Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.