Side-by-side · Q2 2026 data
Pheple Federal Credit Union vs 1st Ed Credit Union
Metric by metric
| Measure | Pheple Federal Credit Union | 1st Ed Credit Union |
|---|---|---|
| TellerScore | 63 | 83 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 81 | 83 (stronger) |
| Earnings | 50 (stronger) | 37 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 29th | 83rd |
| Total assets | $134.0M | $138.2M |
| Deposits / shares | $121.1M | $117.3M |
| Capital ratio | 9.55% | 15.87% (stronger) |
| Problem loans | 0.57% | 0.50% (stronger) |
| Net charge-offs | 0.33% | 0.01% (stronger) |
| Return on assets | 0.76% (stronger) | 0.42% |
| Loans ÷ deposits | 93.4% | 36.9% (stronger) |
| Uninsured deposits | 1.2% (stronger) | 2.8% |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | 23.5% |
1st Ed Credit Union has the higher TellerScore (83 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Pheple Federal Credit Union leads on 2 and 1st Ed Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.