Side-by-side · Q2 2026 data
Picatinny Federal Credit Union vs Proponent Federal Credit Union
Metric by metric
| Measure | Picatinny Federal Credit Union | Proponent Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 70 (stronger) |
| Capital cushion | 44 | 95 (stronger) |
| Loan quality | 77 (stronger) | 59 |
| Earnings | 40 | 44 (stronger) |
| Funding & liquidity | 100 (stronger) | 65 |
| Problem-loan coverage | 92 (stronger) | 84 |
| Peer percentile | 34th | 51st |
| Total assets | $459.1M | $508.8M |
| Deposits / shares | $401.8M | $424.6M |
| Capital ratio | 9.42% | 14.49% (stronger) |
| Problem loans | 0.70% (stronger) | 1.22% |
| Net charge-offs | 0.20% (stronger) | 0.30% |
| Return on assets | 0.50% | 0.59% (stronger) |
| Loans ÷ deposits | 60.0% (stronger) | 95.3% |
| Uninsured deposits | 10.3% | 7.7% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.8% | 18.9% |
Proponent Federal Credit Union has the higher TellerScore (70 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Picatinny Federal Credit Union leads on 3 and Proponent Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.