Side-by-side · Q2 2026 data
Poly Scientific Employees Federal Credit Union vs First Care Federal Credit Union
Credit union
Poly Scientific Employees Federal Credit Union
Blacksburg, Virginia · Under $100 million in assets
Credit union
First Care Federal Credit Union
Roanoke, Virginia · Under $100 million in assets
Metric by metric
| Measure | Poly Scientific Employees Federal Credit Union | First Care Federal Credit Union |
|---|---|---|
| TellerScore | 60 (stronger) | 48 |
| Capital cushion | 100 (stronger) | 33 |
| Loan quality | 0 | 56 (stronger) |
| Earnings | 38 (stronger) | 0 |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 81 | 90 (stronger) |
| Peer percentile | 22nd | 7th |
| Total assets | $5.5M | $5.0M |
| Deposits / shares | $4.0M | $4.6M |
| Capital ratio | 26.26% (stronger) | 8.29% |
| Problem loans | 5.56% | 1.32% (stronger) |
| Net charge-offs | 0.49% (stronger) | 11.88% |
| Return on assets | 0.44% (stronger) | -19.19% |
| Loans ÷ deposits | 62.5% | 50.3% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Poly Scientific Employees Federal Credit Union has the higher TellerScore (60 vs 48). On the 6 directional measures above (where higher or lower is clearly better), Poly Scientific Employees Federal Credit Union leads on 4 and First Care Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.