Side-by-side · Q2 2026 data
Palco Federal Credit Union vs White Rose Credit Union
Metric by metric
| Measure | Palco Federal Credit Union | White Rose Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 66 |
| Capital cushion | 81 (stronger) | 39 |
| Loan quality | 93 (stronger) | 88 |
| Earnings | 71 (stronger) | 40 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 91st | 37th |
| Total assets | $109.3M | $115.5M |
| Deposits / shares | $97.1M | $104.3M |
| Capital ratio | 13.10% (stronger) | 8.91% |
| Problem loans | 0.20% (stronger) | 0.35% |
| Net charge-offs | 0.06% (stronger) | 0.61% |
| Return on assets | 1.28% (stronger) | 0.51% |
| Loans ÷ deposits | 49.1% (stronger) | 53.3% |
| Uninsured deposits | 4.8% | 2.0% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | 19.7% |
Palco Federal Credit Union has the higher TellerScore (87 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Palco Federal Credit Union leads on 6 and White Rose Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.