Side-by-side · Q2 2026 data
Sca Federal Credit Union vs Urban Beginnings Choice Federal Credit Union
Credit union
Sca Federal Credit Union
New Castle, Pennsylvania · Under $100 million in assets
Credit union
Urban Beginnings Choice Federal Credit Union
Fort Wayne, Indiana · Under $100 million in assets
Metric by metric
| Measure | Sca Federal Credit Union | Urban Beginnings Choice Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 56 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 97 (stronger) | 0 |
| Earnings | 73 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 69 |
| Peer percentile | 95th | 16th |
| Total assets | $17.4M | $1.8M |
| Deposits / shares | $14.2M | $1.3M |
| Capital ratio | 19.67% (stronger) | 9.77% |
| Problem loans | 0.09% (stronger) | 3.89% |
| Net charge-offs | 0.00% (stronger) | 5.58% |
| Return on assets | 1.34% | 2.55% (stronger) |
| Loans ÷ deposits | 49.1% (stronger) | 55.2% |
| Uninsured deposits | 1.9% | 0.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sca Federal Credit Union has the higher TellerScore (94 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Sca Federal Credit Union leads on 5 and Urban Beginnings Choice Federal Credit Union on 2. 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.