Side-by-side · Q2 2026 data
People First Federal Credit Union vs Utilities Employees Credit Union
Credit union
People First Federal Credit Union
Allentown, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | People First Federal Credit Union | Utilities Employees Credit Union |
|---|---|---|
| TellerScore | 51 | 77 (stronger) |
| Capital cushion | 26 | 100 (stronger) |
| Loan quality | 63 (stronger) | 58 |
| Earnings | 34 | 42 (stronger) |
| Funding & liquidity | 82 | 97 (stronger) |
| Problem-loan coverage | 79 | 91 (stronger) |
| Peer percentile | 7th | 82nd |
| Total assets | $1.0B | $1.5B |
| Deposits / shares | $968.2M | $1.3B |
| Capital ratio | 7.59% | 15.73% (stronger) |
| Problem loans | 1.10% (stronger) | 1.26% |
| Net charge-offs | 0.57% | 0.18% (stronger) |
| Return on assets | 0.36% | 0.54% (stronger) |
| Loans ÷ deposits | 78.0% | 63.5% (stronger) |
| Uninsured deposits | 3.5% (stronger) | 5.8% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.7% | 20.2% |
Utilities Employees Credit Union has the higher TellerScore (77 vs 51). On the 7 directional measures above (where higher or lower is clearly better), People First Federal Credit Union leads on 2 and Utilities Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.