Side-by-side · Q2 2026 data
Penn South Cooperative vs Division 726 Federal Credit Union
Credit union
Division 726 Federal Credit Union
Staten Island, New York · Under $100 million in assets
Metric by metric
| Measure | Penn South Cooperative | Division 726 Federal Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 98 |
| Loan quality | 21 (stronger) | 0 |
| Earnings | 69 (stronger) | 0 |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 76 (stronger) | 55 |
| Peer percentile | 30th | 9th |
| Total assets | $8.1M | $8.7M |
| Deposits / shares | $6.7M | $7.2M |
| Capital ratio | 15.08% (stronger) | 14.83% |
| Problem loans | 2.38% (stronger) | 7.22% |
| Net charge-offs | 0.00% (stronger) | 10.75% |
| Return on assets | 1.24% (stronger) | -2.36% |
| Loans ÷ deposits | 105.8% | 56.6% (stronger) |
| Uninsured deposits | 2.0% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Penn South Cooperative has the higher TellerScore (65 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Penn South Cooperative leads on 5 and Division 726 Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.