Side-by-side · Q2 2026 data
Penn Federal Credit Union vs Moonlight Federal Credit Union
Credit union
Penn Federal Credit Union
Philadelphia, Pennsylvania · Under $100 million in assets
Credit union
Moonlight Federal Credit Union
Worthington, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Penn Federal Credit Union | Moonlight Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 33 | 98 (stronger) |
| Earnings | 41 | 91 (stronger) |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 42nd | 95th |
| Total assets | $54.1M | $53.6M |
| Deposits / shares | $39.3M | $44.1M |
| Capital ratio | 24.81% (stronger) | 17.94% |
| Problem loans | 2.02% | 0.06% (stronger) |
| Net charge-offs | 1.40% | 0.07% (stronger) |
| Return on assets | 0.52% | 1.78% (stronger) |
| Loans ÷ deposits | 44.1% (stronger) | 86.5% |
| Uninsured deposits | 4.6% | 0.6% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Moonlight Federal Credit Union has the higher TellerScore (94 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Penn Federal Credit Union leads on 2 and Moonlight Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.