Side-by-side · Q2 2026 data
Pacific Service Credit Union vs American First Credit Union
Metric by metric
| Measure | Pacific Service Credit Union | American First Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 88 | 95 (stronger) |
| Earnings | 50 | 52 (stronger) |
| Funding & liquidity | 70 (stronger) | 62 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 91st | 50th |
| Total assets | $1.3B | $1.4B |
| Deposits / shares | $1.1B | $1.2B |
| Capital ratio | 15.54% (stronger) | 10.09% |
| Problem loans | 0.35% | 0.16% (stronger) |
| Net charge-offs | 0.58% | 0.28% (stronger) |
| Return on assets | 0.76% | 0.80% (stronger) |
| Loans ÷ deposits | 90.6% (stronger) | 98.6% |
| Uninsured deposits | 4.5% | 2.5% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.9% | 28.1% |
Pacific Service Credit Union has the higher TellerScore (82 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Pacific Service Credit Union leads on 3 and American First Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.