Side-by-side · Q2 2026 data
Penn South Cooperative vs Generations United Federal Credit Union
Credit union
Generations United Federal Credit Union
New York, New York · Under $100 million in assets
Metric by metric
| Measure | Penn South Cooperative | Generations United Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 65 |
| Capital cushion | 100 | 100 |
| Loan quality | 21 | 72 (stronger) |
| Earnings | 69 (stronger) | 0 |
| Funding & liquidity | 54 (stronger) | 50 |
| Problem-loan coverage | 76 | 98 (stronger) |
| Peer percentile | 30th | 30th |
| Total assets | $8.1M | $7.0M |
| Deposits / shares | $6.7M | $2.5M |
| Capital ratio | 15.08% | 44.44% (stronger) |
| Problem loans | 2.38% | 0.83% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.32% |
| Return on assets | 1.24% (stronger) | -6.27% |
| Loans ÷ deposits | 105.8% (stronger) | 132.1% |
| Uninsured deposits | 2.0% | 0.0% (stronger) |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Penn South Cooperative leads on 3 and Generations United Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.