Side-by-side · Q2 2026 data
Palco Federal Credit Union vs Pinpoint Federal Credit Union
Metric by metric
| Measure | Palco Federal Credit Union | Pinpoint Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 36 |
| Capital cushion | 81 (stronger) | 34 |
| Loan quality | 93 (stronger) | 0 |
| Earnings | 71 (stronger) | 52 |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 99 (stronger) | 31 |
| Peer percentile | 91st | 2nd |
| Total assets | $109.3M | $30.2M |
| Deposits / shares | $97.1M | $28.3M |
| Capital ratio | 13.10% (stronger) | 8.43% |
| Problem loans | 0.20% (stronger) | 3.51% |
| Net charge-offs | 0.06% (stronger) | 0.69% |
| Return on assets | 1.28% (stronger) | 0.80% |
| Loans ÷ deposits | 49.1% (stronger) | 75.8% |
| Uninsured deposits | 4.8% (stronger) | 8.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | — |
Palco Federal Credit Union has the higher TellerScore (87 vs 36). On the 7 directional measures above (where higher or lower is clearly better), Palco Federal Credit Union leads on 7 and Pinpoint Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.