Side-by-side · Q2 2026 data
Sca Federal Credit Union vs Freedom United Federal Credit Union
Credit union
Sca Federal Credit Union
New Castle, Pennsylvania · Under $100 million in assets
Credit union
Freedom United Federal Credit Union
Rochester, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Sca Federal Credit Union | Freedom United Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 93 |
| Capital cushion | 100 | 100 |
| Loan quality | 97 (stronger) | 72 |
| Earnings | 73 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 95th | 94th |
| Total assets | $17.4M | $94.2M |
| Deposits / shares | $14.2M | $76.2M |
| Capital ratio | 19.67% (stronger) | 18.97% |
| Problem loans | 0.09% (stronger) | 0.84% |
| Net charge-offs | 0.00% (stronger) | 0.13% |
| Return on assets | 1.34% | 2.31% (stronger) |
| Loans ÷ deposits | 49.1% | 32.9% (stronger) |
| Uninsured deposits | 1.9% | 0.9% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sca Federal Credit Union has the higher TellerScore (94 vs 93). On the 7 directional measures above (where higher or lower is clearly better), Sca Federal Credit Union leads on 4 and Freedom United Federal Credit Union on 3. 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.