Side-by-side · Q2 2026 data
Palisades Federal Credit Union vs First Choice Financial Federal Credit Union
Credit union
Palisades Federal Credit Union
Pearl River, New York · $100 million – $1 billion
Credit union
First Choice Financial Federal Credit Union
Gloversville, New York · $100 million – $1 billion
Metric by metric
| Measure | Palisades Federal Credit Union | First Choice Financial Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 72 (stronger) |
| Capital cushion | 40 | 81 (stronger) |
| Loan quality | 69 (stronger) | 43 |
| Earnings | 20 | 64 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 83 | 87 (stronger) |
| Peer percentile | 8th | 57th |
| Total assets | $212.2M | $183.7M |
| Deposits / shares | $181.1M | $161.7M |
| Capital ratio | 9.01% | 13.05% (stronger) |
| Problem loans | 0.93% (stronger) | 1.70% |
| Net charge-offs | 0.45% (stronger) | 0.57% |
| Return on assets | 0.00% | 1.11% (stronger) |
| Loans ÷ deposits | 90.0% | 56.1% (stronger) |
| Uninsured deposits | 9.4% | 4.9% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Choice Financial Federal Credit Union has the higher TellerScore (72 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Palisades Federal Credit Union leads on 2 and First Choice Financial Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.