Side-by-side · Q2 2026 data
Point West Credit Union vs First Community Credit Union
Metric by metric
| Measure | Point West Credit Union | First Community Credit Union |
|---|---|---|
| TellerScore | 69 | 86 (stronger) |
| Capital cushion | 76 | 83 (stronger) |
| Loan quality | 70 | 99 (stronger) |
| Earnings | 42 | 72 (stronger) |
| Funding & liquidity | 78 | 79 (stronger) |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 38th | 95th |
| Total assets | $97.5M | $1.9B |
| Deposits / shares | $83.6M | $1.6B |
| Capital ratio | 12.64% | 13.29% (stronger) |
| Problem loans | 0.89% | 0.04% (stronger) |
| Net charge-offs | 0.17% | 0.04% (stronger) |
| Return on assets | 0.55% | 1.31% (stronger) |
| Loans ÷ deposits | 82.6% | 81.0% (stronger) |
| Uninsured deposits | 7.7% | 6.3% (stronger) |
| Offices | 3 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.5% | — |
First Community Credit Union has the higher TellerScore (86 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Point West Credit Union leads on 0 and First Community Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.