Side-by-side · Q2 2026 data
Penn-Trafford School Emp. Federal Credit Union vs First Capital Federal Credit Union
Credit union
Penn-Trafford School Emp. Federal Credit Union
Trafford, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Penn-Trafford School Emp. Federal Credit Union | First Capital Federal Credit Union |
|---|---|---|
| TellerScore | 99 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 70 |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 94 (stronger) | 63 |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 99th | 80th |
| Total assets | $5.3M | $368.5M |
| Deposits / shares | $4.2M | $322.4M |
| Capital ratio | 21.24% (stronger) | 11.95% |
| Problem loans | 0.00% (stronger) | 0.20% |
| Net charge-offs | 0.00% (stronger) | 0.12% |
| Return on assets | 1.85% (stronger) | 1.07% |
| Loans ÷ deposits | 52.8% (stronger) | 66.6% |
| Uninsured deposits | 0.0% (stronger) | 3.7% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.7% |
Penn-Trafford School Emp. Federal Credit Union has the higher TellerScore (99 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Penn-Trafford School Emp. Federal Credit Union leads on 7 and First Capital Federal Credit Union on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.