Side-by-side · Q2 2026 data
Police & Fire Federal Credit Union vs Ardent Federal Credit Union
Credit union
Police & Fire Federal Credit Union
Philadelphia, Pennsylvania · Over $10 billion
Metric by metric
| Measure | Police & Fire Federal Credit Union | Ardent Federal Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 92 (stronger) | 82 |
| Earnings | 98 (stronger) | 29 |
| Funding & liquidity | 91 (stronger) | 84 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 100th | 31st |
| Total assets | $10.2B | $869.3M |
| Deposits / shares | $8.3B | $746.0M |
| Capital ratio | 18.56% (stronger) | 10.11% |
| Problem loans | 0.24% (stronger) | 0.53% |
| Net charge-offs | 0.33% | 0.27% (stronger) |
| Return on assets | 1.95% (stronger) | 0.23% |
| Loans ÷ deposits | 68.9% (stronger) | 76.1% |
| Uninsured deposits | 9.1% (stronger) | 11.0% |
| Offices | 10 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.6% |
Police & Fire Federal Credit Union has the higher TellerScore (96 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Police & Fire Federal Credit Union leads on 6 and Ardent Federal Credit Union on 1. 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.