Side-by-side · Q2 2026 data
Phb Employees Federal Credit Union vs Team First Federal Credit Union
Credit union
Phb Employees Federal Credit Union
Fairview, Pennsylvania · Under $100 million in assets
Credit union
Team First Federal Credit Union
Lancaster, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Phb Employees Federal Credit Union | Team First Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 47 |
| Capital cushion | 100 (stronger) | 85 |
| Loan quality | 32 (stronger) | 0 |
| Earnings | 64 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 95 (stronger) | 73 |
| Peer percentile | 52nd | 7th |
| Total assets | $8.2M | $8.1M |
| Deposits / shares | $6.5M | $7.0M |
| Capital ratio | 20.80% (stronger) | 13.48% |
| Problem loans | 2.05% (stronger) | 3.30% |
| Net charge-offs | 1.15% | 0.04% (stronger) |
| Return on assets | 1.10% (stronger) | -0.74% |
| Loans ÷ deposits | 29.7% (stronger) | 66.4% |
| Uninsured deposits | 0.0% (stronger) | 0.4% |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Phb Employees Federal Credit Union has the higher TellerScore (75 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Phb Employees Federal Credit Union leads on 6 and Team First Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.