Side-by-side · Q2 2026 data
People'S Alliance Federal Credit Union vs Tct Federal Credit Union
Credit union
People'S Alliance Federal Credit Union
Hauppauge, New York · $100 million – $1 billion
Metric by metric
| Measure | People'S Alliance Federal Credit Union | Tct Federal Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 61 |
| Capital cushion | 61 (stronger) | 44 |
| Loan quality | 81 (stronger) | 78 |
| Earnings | 38 (stronger) | 34 |
| Funding & liquidity | 80 | 80 |
| Problem-loan coverage | 93 (stronger) | 90 |
| Peer percentile | 41st | 24th |
| Total assets | $322.2M | $295.6M |
| Deposits / shares | $282.5M | $267.3M |
| Capital ratio | 11.13% (stronger) | 9.45% |
| Problem loans | 0.58% (stronger) | 0.65% |
| Net charge-offs | 0.66% | 0.22% (stronger) |
| Return on assets | 0.45% (stronger) | 0.34% |
| Loans ÷ deposits | 79.9% (stronger) | 80.5% |
| Uninsured deposits | 7.6% (stronger) | 7.6% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 56.7% | 20.0% |
People'S Alliance Federal Credit Union has the higher TellerScore (67 vs 61). On the 7 directional measures above (where higher or lower is clearly better), People'S Alliance Federal Credit Union leads on 6 and Tct Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.