Side-by-side · Q2 2026 data
Pinpoint Federal Credit Union vs Pagoda Federal Credit Union
Credit union
Pagoda Federal Credit Union
Reading, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Pinpoint Federal Credit Union | Pagoda Federal Credit Union |
|---|---|---|
| TellerScore | 36 | 87 (stronger) |
| Capital cushion | 34 | 70 (stronger) |
| Loan quality | 0 | 90 (stronger) |
| Earnings | 52 | 93 (stronger) |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 31 | 98 (stronger) |
| Peer percentile | 2nd | 83rd |
| Total assets | $30.2M | $32.6M |
| Deposits / shares | $28.3M | $28.6M |
| Capital ratio | 8.43% | 11.97% (stronger) |
| Problem loans | 3.51% | 0.31% (stronger) |
| Net charge-offs | 0.69% | 0.51% (stronger) |
| Return on assets | 0.80% | 1.81% (stronger) |
| Loans ÷ deposits | 75.8% | 34.0% (stronger) |
| Uninsured deposits | 8.5% | 4.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pagoda Federal Credit Union has the higher TellerScore (87 vs 36). On the 7 directional measures above (where higher or lower is clearly better), Pinpoint Federal Credit Union leads on 0 and Pagoda Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.