Side-by-side · Q2 2026 data
Pace Federal Credit Union vs Members Choice Credit Union
Credit union
Pace Federal Credit Union
Huntington, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Pace Federal Credit Union | Members Choice Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 59 |
| Capital cushion | 79 (stronger) | 34 |
| Loan quality | 100 (stronger) | 75 |
| Earnings | 61 (stronger) | 45 |
| Funding & liquidity | 100 (stronger) | 83 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 80th | 19th |
| Total assets | $8.7M | $430.8M |
| Deposits / shares | $7.5M | $388.4M |
| Capital ratio | 12.88% (stronger) | 8.38% |
| Problem loans | 0.00% (stronger) | 0.76% |
| Net charge-offs | -0.01% (stronger) | 0.50% |
| Return on assets | 1.03% (stronger) | 0.64% |
| Loans ÷ deposits | 57.4% (stronger) | 77.0% |
| Uninsured deposits | 0.0% (stronger) | 8.9% |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pace Federal Credit Union has the higher TellerScore (86 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Pace Federal Credit Union leads on 7 and Members Choice Credit Union on 0. 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.