Side-by-side · Q2 2026 data
People First Federal Credit Union vs First Commonwealth Federal Credit Union
Credit union
People First Federal Credit Union
Allentown, Pennsylvania · $1 billion – $10 billion
Credit union
First Commonwealth Federal Credit Union
Lehigh Valley, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | People First Federal Credit Union | First Commonwealth Federal Credit Union |
|---|---|---|
| TellerScore | 51 | 56 (stronger) |
| Capital cushion | 26 | 51 (stronger) |
| Loan quality | 63 (stronger) | 49 |
| Earnings | 34 | 47 (stronger) |
| Funding & liquidity | 82 (stronger) | 74 |
| Problem-loan coverage | 79 (stronger) | 76 |
| Peer percentile | 7th | 15th |
| Total assets | $1.0B | $1.5B |
| Deposits / shares | $968.2M | $1.3B |
| Capital ratio | 7.59% | 10.12% (stronger) |
| Problem loans | 1.10% (stronger) | 1.53% |
| Net charge-offs | 0.57% (stronger) | 0.62% |
| Return on assets | 0.36% | 0.68% (stronger) |
| Loans ÷ deposits | 78.0% (stronger) | 86.1% |
| Uninsured deposits | 3.5% (stronger) | 7.7% |
| Offices | 6 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.7% | 22.2% |
First Commonwealth Federal Credit Union has the higher TellerScore (56 vs 51). On the 7 directional measures above (where higher or lower is clearly better), People First Federal Credit Union leads on 4 and First Commonwealth Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.