Side-by-side · Q2 2026 data
Service 1 Federal Credit Union vs Polish-American Federal Credit Union
Metric by metric
| Measure | Service 1 Federal Credit Union | Polish-American Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 78 |
| Loan quality | 86 (stronger) | 54 |
| Earnings | 83 (stronger) | 69 |
| Funding & liquidity | 73 | 85 (stronger) |
| Problem-loan coverage | 97 (stronger) | 85 |
| Peer percentile | 94th | 57th |
| Total assets | $198.5M | $195.1M |
| Deposits / shares | $160.8M | $169.0M |
| Capital ratio | 18.56% (stronger) | 12.79% |
| Problem loans | 0.42% (stronger) | 1.37% |
| Net charge-offs | 0.52% | 0.01% (stronger) |
| Return on assets | 1.58% (stronger) | 1.23% |
| Loans ÷ deposits | 87.3% | 75.6% (stronger) |
| Uninsured deposits | 4.3% (stronger) | 5.8% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.7% |
Service 1 Federal Credit Union has the higher TellerScore (89 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Service 1 Federal Credit Union leads on 5 and Polish-American Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.