Side-by-side · Q2 2026 data
Pagoda Federal Credit Union vs Utilities Employees Credit Union
Credit union
Pagoda Federal Credit Union
Reading, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Pagoda Federal Credit Union | Utilities Employees Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 77 |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 90 (stronger) | 58 |
| Earnings | 93 (stronger) | 42 |
| Funding & liquidity | 100 (stronger) | 97 |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 83rd | 82nd |
| Total assets | $32.6M | $1.5B |
| Deposits / shares | $28.6M | $1.3B |
| Capital ratio | 11.97% | 15.73% (stronger) |
| Problem loans | 0.31% (stronger) | 1.26% |
| Net charge-offs | 0.51% | 0.18% (stronger) |
| Return on assets | 1.81% (stronger) | 0.54% |
| Loans ÷ deposits | 34.0% (stronger) | 63.5% |
| Uninsured deposits | 4.1% (stronger) | 5.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.2% |
Pagoda Federal Credit Union has the higher TellerScore (87 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Pagoda Federal Credit Union leads on 5 and Utilities Employees Credit Union on 2. 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.