Side-by-side · Q2 2026 data
Pinpoint Federal Credit Union vs First Area Federal Credit Union
Credit union
First Area Federal Credit Union
Lewistown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Pinpoint Federal Credit Union | First Area Federal Credit Union |
|---|---|---|
| TellerScore | 36 | 71 (stronger) |
| Capital cushion | 34 | 51 (stronger) |
| Loan quality | 0 | 62 (stronger) |
| Earnings | 52 | 76 (stronger) |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 31 | 96 (stronger) |
| Peer percentile | 2nd | 42nd |
| Total assets | $30.2M | $29.9M |
| Deposits / shares | $28.3M | $27.0M |
| Capital ratio | 8.43% | 10.12% (stronger) |
| Problem loans | 3.51% | 1.15% (stronger) |
| Net charge-offs | 0.69% | 0.10% (stronger) |
| Return on assets | 0.80% | 1.39% (stronger) |
| Loans ÷ deposits | 75.8% | 17.5% (stronger) |
| Uninsured deposits | 8.5% | 2.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Area Federal Credit Union has the higher TellerScore (71 vs 36). On the 7 directional measures above (where higher or lower is clearly better), Pinpoint Federal Credit Union leads on 0 and First Area Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.